Kingstone在2025年创下了创纪录的利润，得益于强劲增长和低理赔率，并计划于2026年进军加州的E&S市场。 Kingstone posted record profits in 2025, driven by strong growth and low claims, and plans expansion into California’s E&S market in 2026.

金斯通公司在2025年第四季度及全年均创下净利润纪录，分别为1480万美元和4080万美元，主要得益于强劲的保费增长、承保改善和理赔数量减少。 Kingstone Companies reported record profits in Q4 2025 and for the full year, with net income of $14.8 million and $40.8 million respectively, driven by strong premium growth, improved underwriting, and lower claims. 公司在第四季度实现了64.2%的GAAP净合并比率和全年75%的比率,其灾难损失比率明显低于平均水平的1.2个点. The company achieved a 64.2% GAAP net combined ratio in Q4 and a 75% ratio for the year, with a significantly below-average catastrophe loss ratio of 1.2 points. 在 " 选择产品 " 的支持下,所写的直接保险费在问题4中增加了14%,每年增加了15%,现在涵盖了57%的现行政策。 Direct premiums written rose 14% in Q4 and 15% annually, supported by the Select product, which now covers 57% of policies in force. Kingstone计划于2026年扩展加州的房产与安全市场，起步于有限曝险，预计2026年保费增长率为16%-20%，净合并比率为81%-86%，每股收益（EPS）预计为2.20至2.90美元。 Kingstone plans to expand into California’s E&S market in 2026, starting with limited exposure, and expects 16%-20% premium growth and a net combined ratio of 81%-86% in 2026, with EPS projected at $2.20–$2.90.