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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and NPK International Inc. (NPKI). Click either name above to swap in a different company.
NPK International Inc. is the larger business by last-quarter revenue ($75.2M vs $56.4M, roughly 1.3× KINGSTONE COMPANIES, INC.). On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs 30.7%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $5.8M). Over the past eight quarters, KINGSTONE COMPANIES, INC.'s revenue compounded faster (25.6% CAGR vs 23.9%).
Kingstone Companies, Inc., headquartered in Kingston, New York, provides property and casualty insurance products through its subsidiary, Kingstone Insurance Company. It places contracts with the third-party licensed premium finance company through its subsidiary Payments, Inc., a NYS licensed Insurance Premium Finance Company. Kingstone Insurance Company was ranked #1 of the 81 insurers rated by the Professional Insurance Agents Association in its 2010 Company Performance Survey. The company...
KINS vs NPKI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $75.2M |
| Net Profit | $14.8M | — |
| Gross Margin | — | 37.7% |
| Operating Margin | 32.7% | 16.7% |
| Net Margin | 26.2% | — |
| Revenue YoY | 34.0% | 30.7% |
| Net Profit YoY | 171.4% | — |
| EPS (diluted) | $1.09 | $0.17 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $56.4M | $75.2M | ||
| Q3 25 | $55.7M | $68.8M | ||
| Q2 25 | $52.3M | $68.2M | ||
| Q1 25 | $50.5M | $64.8M | ||
| Q4 24 | $42.1M | $57.5M | ||
| Q3 24 | $40.8M | $44.2M | ||
| Q2 24 | $36.5M | $66.8M | ||
| Q1 24 | $35.8M | $49.0M |
| Q4 25 | $14.8M | — | ||
| Q3 25 | $10.9M | $5.7M | ||
| Q2 25 | $11.3M | $8.7M | ||
| Q1 25 | $3.9M | $10.0M | ||
| Q4 24 | $5.4M | — | ||
| Q3 24 | $7.0M | $-174.3M | ||
| Q2 24 | $4.5M | $8.0M | ||
| Q1 24 | $1.4M | $7.3M |
| Q4 25 | — | 37.7% | ||
| Q3 25 | — | 31.9% | ||
| Q2 25 | — | 36.9% | ||
| Q1 25 | — | 39.0% | ||
| Q4 24 | — | 39.2% | ||
| Q3 24 | — | 27.5% | ||
| Q2 24 | — | 37.2% | ||
| Q1 24 | — | 36.0% |
| Q4 25 | 32.7% | 16.7% | ||
| Q3 25 | 24.6% | 13.2% | ||
| Q2 25 | 27.1% | 17.0% | ||
| Q1 25 | 9.3% | 20.9% | ||
| Q4 24 | 15.9% | 20.2% | ||
| Q3 24 | 22.3% | 2.8% | ||
| Q2 24 | 15.7% | 18.7% | ||
| Q1 24 | 5.0% | 14.2% |
| Q4 25 | 26.2% | — | ||
| Q3 25 | 19.5% | 8.2% | ||
| Q2 25 | 21.5% | 12.7% | ||
| Q1 25 | 7.7% | 15.4% | ||
| Q4 24 | 12.9% | — | ||
| Q3 24 | 17.1% | -394.3% | ||
| Q2 24 | 12.4% | 12.0% | ||
| Q1 24 | 4.0% | 14.9% |
| Q4 25 | $1.09 | $0.17 | ||
| Q3 25 | $0.74 | $0.07 | ||
| Q2 25 | $0.78 | $0.10 | ||
| Q1 25 | $0.27 | $0.11 | ||
| Q4 24 | $0.44 | $0.10 | ||
| Q3 24 | $0.55 | $-1.99 | ||
| Q2 24 | $0.37 | $0.09 | ||
| Q1 24 | $0.12 | $0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $5.1M |
| Total DebtLower is stronger | $4.4M | $16.9M |
| Stockholders' EquityBook value | $122.7M | $351.2M |
| Total Assets | $453.4M | $441.8M |
| Debt / EquityLower = less leverage | 0.04× | 0.05× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $5.1M | ||
| Q3 25 | — | $35.6M | ||
| Q2 25 | — | $26.0M | ||
| Q1 25 | — | $20.8M | ||
| Q4 24 | — | $17.8M | ||
| Q3 24 | — | $42.9M | ||
| Q2 24 | — | $35.1M | ||
| Q1 24 | — | $37.7M |
| Q4 25 | $4.4M | $16.9M | ||
| Q3 25 | $4.8M | $9.5M | ||
| Q2 25 | $5.1M | $9.3M | ||
| Q1 25 | $5.4M | $8.1M | ||
| Q4 24 | $11.2M | $7.7M | ||
| Q3 24 | $17.3M | $14.0M | ||
| Q2 24 | $25.3M | $58.0M | ||
| Q1 24 | $25.3M | $77.4M |
| Q4 25 | $122.7M | $351.2M | ||
| Q3 25 | $107.7M | $333.9M | ||
| Q2 25 | $94.9M | $328.8M | ||
| Q1 25 | $82.2M | $326.9M | ||
| Q4 24 | $66.7M | $326.5M | ||
| Q3 24 | $59.7M | $316.5M | ||
| Q2 24 | $40.8M | $426.6M | ||
| Q1 24 | $35.7M | $421.6M |
| Q4 25 | $453.4M | $441.8M | ||
| Q3 25 | $428.6M | $404.5M | ||
| Q2 25 | $393.4M | $393.7M | ||
| Q1 25 | $385.4M | $390.0M | ||
| Q4 24 | $374.9M | $393.7M | ||
| Q3 24 | $347.0M | $389.6M | ||
| Q2 24 | $319.8M | $624.8M | ||
| Q1 24 | $318.3M | $640.8M |
| Q4 25 | 0.04× | 0.05× | ||
| Q3 25 | 0.04× | 0.03× | ||
| Q2 25 | 0.05× | 0.03× | ||
| Q1 25 | 0.07× | 0.02× | ||
| Q4 24 | 0.17× | 0.02× | ||
| Q3 24 | 0.29× | 0.04× | ||
| Q2 24 | 0.62× | 0.14× | ||
| Q1 24 | 0.71× | 0.18× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $75.9M | $18.0M |
| Free Cash FlowOCF − Capex | $73.1M | $5.8M |
| FCF MarginFCF / Revenue | 129.5% | 7.6% |
| Capex IntensityCapex / Revenue | 5.0% | 16.3% |
| Cash ConversionOCF / Net Profit | 5.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $26.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $18.0M | ||
| Q3 25 | $25.9M | $24.7M | ||
| Q2 25 | $9.3M | $21.4M | ||
| Q1 25 | $17.9M | $8.8M | ||
| Q4 24 | $57.9M | $-4.1M | ||
| Q3 24 | $21.7M | $2.8M | ||
| Q2 24 | $7.1M | $27.6M | ||
| Q1 24 | $6.1M | $11.9M |
| Q4 25 | $73.1M | $5.8M | ||
| Q3 25 | $25.3M | $12.0M | ||
| Q2 25 | $8.7M | $9.7M | ||
| Q1 25 | $17.0M | $-1.2M | ||
| Q4 24 | $55.6M | $-17.7M | ||
| Q3 24 | $21.0M | $-6.7M | ||
| Q2 24 | $6.6M | $21.0M | ||
| Q1 24 | $5.6M | $-1.9M |
| Q4 25 | 129.5% | 7.6% | ||
| Q3 25 | 45.4% | 17.4% | ||
| Q2 25 | 16.6% | 14.3% | ||
| Q1 25 | 33.7% | -1.8% | ||
| Q4 24 | 132.1% | -30.8% | ||
| Q3 24 | 51.6% | -15.2% | ||
| Q2 24 | 18.1% | 31.4% | ||
| Q1 24 | 15.5% | -3.9% |
| Q4 25 | 5.0% | 16.3% | ||
| Q3 25 | 1.2% | 18.5% | ||
| Q2 25 | 1.1% | 17.1% | ||
| Q1 25 | 1.7% | 15.5% | ||
| Q4 24 | 5.6% | 23.6% | ||
| Q3 24 | 1.7% | 21.4% | ||
| Q2 24 | 1.4% | 9.9% | ||
| Q1 24 | 1.5% | 28.3% |
| Q4 25 | 5.14× | — | ||
| Q3 25 | 2.38× | 4.37× | ||
| Q2 25 | 0.82× | 2.47× | ||
| Q1 25 | 4.60× | 0.88× | ||
| Q4 24 | 10.65× | — | ||
| Q3 24 | 3.12× | — | ||
| Q2 24 | 1.58× | 3.43× | ||
| Q1 24 | 4.27× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KINS
Segment breakdown not available.
NPKI
| Rental Revenue | $34.8M | 46% |
| Products | $25.5M | 34% |
| Services | $14.9M | 20% |
