Kingstone Partners with ZestyAI to Launch Wildfire Risk Analytics
Kingstone Companies announced a partnership with ZestyAI to deploy property-level wildfire risk analytics as part of its planned expansion into the California homeowners market. Kingstone has integrated ZestyAI's Z-FIRE wildfire risk model among the tools used to evaluate wildfire exposure at the individual-property level and to support disciplined underwriting in catastrophe-exposed regions. "Our California entry reflects the same disciplined, data-driven approach that has driven our results in New York," said Sarah Chen, senior VP, chief actuary and head of product management. "ZestyAI's Z-FIRE model complements our Select platform by providing the property-level wildfire intelligence we need to rate and underwrite with precision in a complex and dynamic market like California."
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Kingstone Declares $0.05 Quarterly Dividend, Maintains Yield
- Quarterly Dividend Announcement: Kingstone declares a quarterly dividend of $0.05 per share, consistent with previous distributions, indicating the company's stable cash flow and commitment to shareholder returns.
- Dividend Yield: The forward yield of 1.14% reflects the company's attractiveness in the current market environment, potentially drawing more investor interest.
- Payment Schedule: The dividend is payable on May 26, with a record date of May 11 and an ex-dividend date also on May 11, ensuring shareholders receive their earnings promptly.
- Future Growth Targets: Kingstone aims for a premium growth of 16%-20% in 2026 and projects $500 million in direct premiums by 2029, demonstrating confidence in its market expansion strategy.
KINGSTONE TEAMS UP WITH ZESTYAI TO ENHANCE WILDFIRE RISK ANALYTICS FOR CALIFORNIA MARKET ENTRY
- Partnership Announcement: Kingston has partnered with Zesty to enhance wildfire risk analytics in California.
- Focus on Wildfire Risk: The collaboration aims to strengthen the understanding and management of wildfire risks in the region.
Kingstone Companies Reports Record Q4 2025 Earnings
- Record Profitability: Kingstone Companies achieved a net income of $14.8 million in Q4 2025, with diluted earnings per share at $1.03 and a net combined ratio of 64.2%, marking the most profitable quarter and year in the company's history.
- Significant Premium Growth: From year-end 2023 to year-end 2025, direct premiums written grew by 39%, while the combined ratio improved by 30 points, demonstrating the effectiveness of the Select product, which now constitutes 57% of policies in force.
- California Market Expansion: The company plans to enter the California market in Q2 2026, with an initial contribution expected to be less than 5% of 2026 premiums, targeting a major homeowners market with $15 billion in written premium, highlighting strategic importance.
- Optimistic Future Outlook: Kingstone anticipates direct premiums written growth of 16% to 20% for 2026, shifting its primary operating metric to the underlying combined ratio, reflecting confidence in future growth while setting a five-year goal of $500 million in direct premiums written by 2029.
Kingstone (KINS) Q4 2025 Earnings Call Transcript
Kingstone Reports Q4 Earnings with 34% Revenue Growth
- Earnings Highlights: Kingstone's Q4 report reveals a GAAP EPS of $1.03 and revenue of $56.42 million, marking a 34% year-over-year increase, indicating the company's sustained competitiveness in the market, which may attract more investor attention.
- Stock Price Reaction: Following the earnings release, Kingstone's shares rose by 2.71%, reflecting a positive market response to its financial performance, which could further boost investor confidence and market participation.
- High Return Potential: Analysts highlight Kingstone's high return on equity (ROE), indicating effective financial turnaround, with expectations of over 60% upside potential in its stock price, drawing increased investor interest.
- Rating Upgrade: Seeking Alpha's Quant Rating has positively assessed Kingstone's performance, enhancing market expectations for its future growth, potentially leading to increased capital inflow into the company.
Daily Upgrade Report for Validea Motley Fool Strategy - November 7, 2025
Validea's Small-Cap Growth Investor Model: The model, based on Motley Fool's strategy, identifies small-cap growth stocks with strong fundamentals and price performance, highlighting Paysign Inc. and its improved rating from 59% to 72%.
Company Profiles: The article provides detailed descriptions of various companies, including Paysign, Bankinter SA, Tutor Perini Corp, Kingstone Companies Inc., Harmony Gold Mining Company Ltd, Rex American Resources Corp, and Mercury General Corp, along with their respective ratings and industry sectors.
Stock Ratings and Interest Levels: Ratings for several stocks have increased, with scores above 80% indicating interest from the strategy, while scores above 90% suggest strong interest, as seen with Kingstone Companies Inc. achieving an 83% rating.
About Motley Fool and Validea: The article concludes with a brief overview of Motley Fool, founded by the Gardner brothers, and Validea, an investment research service that follows the strategies of renowned investors to provide stock analysis and model portfolios.
Kingstone Declares $0.05 Quarterly Dividend, Maintains Yield
- Quarterly Dividend Announcement: Kingstone declares a quarterly dividend of $0.05 per share, consistent with previous distributions, indicating the company's stable cash flow and commitment to shareholder returns.
- Dividend Yield: The forward yield of 1.14% reflects the company's attractiveness in the current market environment, potentially drawing more investor interest.
- Payment Schedule: The dividend is payable on May 26, with a record date of May 11 and an ex-dividend date also on May 11, ensuring shareholders receive their earnings promptly.
- Future Growth Targets: Kingstone aims for a premium growth of 16%-20% in 2026 and projects $500 million in direct premiums by 2029, demonstrating confidence in its market expansion strategy.
KINGSTONE TEAMS UP WITH ZESTYAI TO ENHANCE WILDFIRE RISK ANALYTICS FOR CALIFORNIA MARKET ENTRY
- Partnership Announcement: Kingston has partnered with Zesty to enhance wildfire risk analytics in California.
- Focus on Wildfire Risk: The collaboration aims to strengthen the understanding and management of wildfire risks in the region.
Kingstone Companies Reports Record Q4 2025 Earnings
- Record Profitability: Kingstone Companies achieved a net income of $14.8 million in Q4 2025, with diluted earnings per share at $1.03 and a net combined ratio of 64.2%, marking the most profitable quarter and year in the company's history.
- Significant Premium Growth: From year-end 2023 to year-end 2025, direct premiums written grew by 39%, while the combined ratio improved by 30 points, demonstrating the effectiveness of the Select product, which now constitutes 57% of policies in force.
- California Market Expansion: The company plans to enter the California market in Q2 2026, with an initial contribution expected to be less than 5% of 2026 premiums, targeting a major homeowners market with $15 billion in written premium, highlighting strategic importance.
- Optimistic Future Outlook: Kingstone anticipates direct premiums written growth of 16% to 20% for 2026, shifting its primary operating metric to the underlying combined ratio, reflecting confidence in future growth while setting a five-year goal of $500 million in direct premiums written by 2029.
Kingstone (KINS) Q4 2025 Earnings Call Transcript
Kingstone Reports Q4 Earnings with 34% Revenue Growth
- Earnings Highlights: Kingstone's Q4 report reveals a GAAP EPS of $1.03 and revenue of $56.42 million, marking a 34% year-over-year increase, indicating the company's sustained competitiveness in the market, which may attract more investor attention.
- Stock Price Reaction: Following the earnings release, Kingstone's shares rose by 2.71%, reflecting a positive market response to its financial performance, which could further boost investor confidence and market participation.
- High Return Potential: Analysts highlight Kingstone's high return on equity (ROE), indicating effective financial turnaround, with expectations of over 60% upside potential in its stock price, drawing increased investor interest.
- Rating Upgrade: Seeking Alpha's Quant Rating has positively assessed Kingstone's performance, enhancing market expectations for its future growth, potentially leading to increased capital inflow into the company.
Daily Upgrade Report for Validea Motley Fool Strategy - November 7, 2025
Validea's Small-Cap Growth Investor Model: The model, based on Motley Fool's strategy, identifies small-cap growth stocks with strong fundamentals and price performance, highlighting Paysign Inc. and its improved rating from 59% to 72%.
Company Profiles: The article provides detailed descriptions of various companies, including Paysign, Bankinter SA, Tutor Perini Corp, Kingstone Companies Inc., Harmony Gold Mining Company Ltd, Rex American Resources Corp, and Mercury General Corp, along with their respective ratings and industry sectors.
Stock Ratings and Interest Levels: Ratings for several stocks have increased, with scores above 80% indicating interest from the strategy, while scores above 90% suggest strong interest, as seen with Kingstone Companies Inc. achieving an 83% rating.
About Motley Fool and Validea: The article concludes with a brief overview of Motley Fool, founded by the Gardner brothers, and Validea, an investment research service that follows the strategies of renowned investors to provide stock analysis and model portfolios.
