Kingstone Companies (KINS) Cash Flow: Operating & Free Cash Flow

Kingstone Companies Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Kingstone Companies, Inc. (KINS) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	40.77	18.36	-6.17	-22.52	-7.38	0.97	-5.97	3.09	9.99
Depreciation & Amortization	2.56	2.45	2.97	3.30	3.29	2.86	2.55	1.79	1.40
Deferred Income Tax	-0.20	4.93	-1.20	-5.42	-2.20	3.11	-1.99	-0.01	0.00
Stock Based Compensation	1.48	1.38	0.83	1.39	1.90	1.77	1.50	0.70	0.27
Change in Working Capital	32.09	30.36	-6.86	8.58	37.92	-18.28	37.65	13.68	15.92
Change in Accounts Receivable	10.48	-2.01	-8.93	-27.87	4.51	-3.95	-13.24	1.41	2.11
Change in Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	15.14	13.94
Change in Accounts Payable	-4.59	3.89	-0.22	0.10	5.25	-6.29	12.93	-1.28	2.46
Change in Other Working Capital	26.20	28.48	-1.98	5.72	0.16	-8.04	37.96	-1.58	-2.59
Other Operating Activities	-0.83	0.47	-2.11	8.33	0.16	-0.67	-3.88	3.04	0.47
Net Cash from Operating Activities	75.86	57.95	-11.33	-0.92	24.35	-10.23	29.86	22.30	28.05
Investing Activities
Capital Expenditures	-2.81	-2.34	-1.83	-4.55	-4.50	-3.33	-3.94	-2.73	-2.82
Acquisitions	0.00	0.00	0.00	0.00	0.23	0.00	0.00	0.00	0.00
Purchases of Investments	-154.40	-165.00	-51.50	-49.92	-115.58	-43.53	-33.46	-71.92	-58.04
Sales/Maturities of Investments	60.75	132.08	62.79	48.56	103.90	47.44	22.43	31.25	15.24
Other Investing Activities	3.60	0.00	0.00	0.00	0.00	0.00	0.00	-40.67	-2.00
Net Cash from Investing Activities	-92.86	-35.26	9.46	-5.91	-15.95	0.58	-14.97	-43.40	-47.63
Financing Activities
Debt Repayment	-7.17	-15.15	-1.09	-10.05	0.00	0.00	0.00	0.00	29.12
Common Stock Issued	9.67	13.61	0.00	0.06	0.00	0.00	0.00	0.00	30.14
Common Stock Repurchased	0.00	0.00	-0.01	-0.39	-1.67	-1.18	0.00	-0.54	-0.18
Dividends Paid	-1.41	0.00	0.00	-1.28	-1.69	-1.96	-3.50	-4.28	-3.21
Other Financing Activities	-0.58	-1.45	-0.01	-1.76	-0.21	-0.13	-0.13	-1.32	0.05
Net Cash from Financing Activities	0.51	-2.99	-1.12	-5.51	-3.57	-3.27	-3.63	-6.14	55.92
Summary
Net Change in Cash	-16.49	19.69	-2.98	-12.33	4.83	-12.93	11.25	-27.24	36.34
Cash at Beginning of Period	28.67	8.98	11.96	24.29	19.46	32.39	21.14	48.38	12.04
Cash at End of Period	12.18	28.67	8.98	11.96	24.29	19.46	32.39	21.14	48.38
Free Cash Flow	73.05	55.61	-13.15	-5.47	19.85	-13.56	25.92	19.56	25.22
Supplemental Disclosures
Interest Paid	-	2.52	2.93	1.60	1.65	1.65	-	-	-
Income Taxes Paid	-	-	-	-	-	0.38	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Kingstone Companies Cash Flow

What is Kingstone Companies's free cash flow?

Kingstone Companies generated free cash flow of $73.05M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $75.86M minus $2.81M of capital expenditures. That was up 31.4% from $55.61M a year earlier. Free cash flow equaled 36.7% of revenue.

How much does Kingstone Companies spend on capital expenditures?

Kingstone Companies spent $2.81M on capital expenditures in fiscal 2025, compared with $2.34M a year earlier. That equals 3.7% of operating cash flow.

Does Kingstone Companies pay dividends or buy back shares?

Yes. In fiscal 2025 Kingstone Companies returned $1.41M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition