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    Gabriel McClure • Private Investor

    Gabriel McClure's questions to Kingstone Companies Inc (KINS) leadership

    Gabriel McClure's questions to Kingstone Companies Inc (KINS) leadership • Q2 2025

    Question

    Private investor Gabriel McClure asked about Kingstone's capital allocation priorities, particularly regarding the possibility of share buybacks, in light of the company's strong cash generation and recent dividend reinstatement.

    Answer

    President, CEO & Director Meryl Golden reiterated the company's consistent stance of having no plans for a share buyback. She explained that capital is being prioritized for growth initiatives. Golden highlighted that recent profitability has enabled the company to pay off debt, replenish surplus, increase reinsurance coverage, reduce its quota share, and reinstate the dividend, placing Kingstone in a strong position to fund its growth plans for the near and mid-term.

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    Gabriel McClure's questions to Kingstone Companies Inc (KINS) leadership • Q1 2025

    Question

    Private investor Gabriel McClure asked for more detail on the acceleration in net investment income and how to project it for future quarters. He also inquired if management has a view on Kingstone's intrinsic value compared to its market or book value.

    Answer

    President and CEO Meryl Golden attributed the growth in net investment income to strong cash flow from operations being invested into the portfolio. She added that the company is extending the duration of its investments to capture higher yields, which should continue to benefit investment income. Regarding intrinsic value, Ms. Golden acknowledged that management considers the company's value relative to its stock price but declined to share a specific valuation.

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    Gabriel McClure's questions to Kingstone Companies Inc (KINS) leadership • Q4 2024

    Question

    Gabriel McClure, a private investor, asked for clarification on the 2025 core premium growth guidance of 15-25%, questioning how it aligns with the much higher 49% growth seen in Q4 2024. He also requested the current book yield of the investment portfolio.

    Answer

    Executive Meryl Golden affirmed confidence in the 15-25% growth guidance, citing the expansion of the producer base, updated underwriting appetite, and anticipated improvements in policy retention as key drivers. Executive Jennifer Gravelle provided the current book yield on the investment portfolio, stating it was 3.86%.

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