KINSHIGH SIGNALFINANCIAL10-K

KINS delivered exceptionally strong financial performance with net income more than doubling to $40.8M while significantly strengthening its balance sheet through debt reduction and equity growth.

The company demonstrated remarkable operational efficiency with 122% net income growth vastly outpacing 38.5% revenue growth, indicating substantial margin expansion. The 60% debt reduction combined with 84% stockholders' equity growth signals a dramatic improvement in financial health and capital structure optimization.

Comparing 2026-03-16 vs 2025-03-18View on EDGAR →
FINANCIAL ANALYSIS

KINS achieved exceptional profitability with net income surging 122% to $40.8M on 38.5% revenue growth to $214.9M, demonstrating significant operational leverage and margin expansion. The balance sheet strengthened considerably with stockholders' equity rising 84% to $122.7M while total debt declined 60% to $4.4M, reflecting successful deleveraging despite a modest decline in cash position. Total assets grew 21% to $453.4M with operating cash flow increasing 31% to $75.9M, painting a picture of robust business growth, improved profitability, and enhanced financial stability.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+122.1%
$18.4M$40.8M

Net income grew 122.1% — bottom-line growth signals improving overall business health.

Interest Expense
P&L
+98.2%
$2.0M$4.0M

Interest expense surged 98.2% — significant debt increase or rising rates materially impacting earnings.

Stockholders Equity
Balance Sheet
+84%
$66.7M$122.7M

Equity base grew 84% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Total Deposits
Balance Sheet
-69%
$2.5M$765K

Deposits declined 69% — significant outflows warrant immediate investigation into funding stability.

Total Debt
Balance Sheet
-60.3%
$11.2M$4.4M

Debt reduced 60.3% — deleveraging strengthens balance sheet and reduces financial risk.

Revenue
P&L
+38.5%
$155.1M$214.9M

Strong top-line growth of 38.5% — accelerating demand or successful expansion into new markets.

Operating Cash Flow
Cash Flow
+30.9%
$57.9M$75.9M

Operating cash flow surged 30.9% — exceptional cash generation, highest quality earnings signal.

Cash & Equivalents
Balance Sheet
-24.9%
$12.0M$9.0M

Cash decreased 24.9% — monitor burn rate and upcoming capital needs.

Total Assets
Balance Sheet
+20.9%
$374.9M$453.4M

Asset base grew 20.9% — expansion through organic growth, acquisitions, or capital deployment.

Capital Expenditure
Cash Flow
+20.1%
$2.3M$2.8M

Capex increased 20.1% — ongoing investment in capacity or infrastructure for future growth.

LANGUAGE CHANGES
NEW — 2026-03-16
PRIOR — 2025-03-18
ADDED
As of March 10, 2026, there were 14,476,825 shares of common stock outstanding.
For the years ended December 31, 2025 and 2024, respectively, 98.0% and 96.0% of KICO s direct written premiums came from the New York policies.
Recent Developments Developments During 2025 Sale of Building On February 5, 2025, one of our subsidiaries entered into a contract of sale with Ulster County, New York (the County ) for the sale to the County of our headquarters building in Kingston, New York, along with an adjacent mixed-use property (collectively, the Property ).
Debt Prepayment In 2025, we made two additional prepayments on our 13.75% Senior Notes due June 30, 2026 (the "2024 Notes").
As a result of these additional prepayments, the 2024 Notes have been paid in full.
+7 more — sign up free →
REMOVED
As of March 12, 2025, there were 13,730,802 shares of common stock outstanding.
For the years ended December 31, 2024 and 2023, respectively, 96.0% and 88.3% of KICO s direct written premiums came from the New York policies.
We refer to our New York business as our Core business and the business outside of New York as our non-Core business.
Recent Developments Developments During 2024 Catastrophe Reinsurance Coverage Effective July 1, 2024, KICO decreased the top limit of its catastrophe reinsurance coverage from $325,000,000 to $280,000,000, which, at the time, equated to more than a 1-in-100 year storm event according to the primary industry catastrophe model that we follow.
Withdrawal from New Jersey On October 2, 2023, the New Jersey Department of Banking Insurance acknowledged KICO s request to withdraw from the state effective January 1, 2024.
+7 more — sign up free →
MORE FINANCIAL SIGNALS
PNRGHIGHPNRG achieved exceptional profitability improvement with net income surging 2,21...
2026-04-16
BNAIHIGHBNAI underwent a dramatic reverse stock split that reduced share count by 86% wh...
2026-04-16
LAKEHIGHLAKE's financial performance deteriorated significantly with operating losses wo...
2026-04-16
NXXTHIGHNextNRG experienced massive financial deterioration with operating losses explod...
2026-04-16
ANALYZE ANY FILING FREE

See what changed in your portfolio's filings

500+ US-listed companies analyzed. Language delta, financial analysis, instant signal scoring.

Try Tracenotes free →