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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and READING INTERNATIONAL INC (RDI). Click either name above to swap in a different company.
KINGSTONE COMPANIES, INC. is the larger business by last-quarter revenue ($56.4M vs $50.3M, roughly 1.1× READING INTERNATIONAL INC). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs -5.1%, a 31.3% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs -14.2%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $4.1M). Over the past eight quarters, KINGSTONE COMPANIES, INC.'s revenue compounded faster (25.6% CAGR vs 5.6%).
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...
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
KINS vs RDI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $50.3M |
| Net Profit | $14.8M | $-2.6M |
| Gross Margin | — | — |
| Operating Margin | 32.7% | -1.9% |
| Net Margin | 26.2% | -5.1% |
| Revenue YoY | 34.0% | -14.2% |
| Net Profit YoY | 171.4% | -14.5% |
| EPS (diluted) | $1.09 | $-0.11 |
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 | $50.3M | ||
| Q3 25 | $55.7M | $52.2M | ||
| Q2 25 | $52.3M | $60.4M | ||
| Q1 25 | $50.5M | $40.2M | ||
| Q4 24 | $42.1M | $58.6M | ||
| Q3 24 | $40.8M | $60.1M | ||
| Q2 24 | $36.5M | $46.8M | ||
| Q1 24 | $35.8M | $45.1M |
| Q4 25 | $14.8M | $-2.6M | ||
| Q3 25 | $10.9M | $-4.2M | ||
| Q2 25 | $11.3M | $-2.7M | ||
| Q1 25 | $3.9M | $-4.8M | ||
| Q4 24 | $5.4M | $-2.2M | ||
| Q3 24 | $7.0M | $-7.0M | ||
| Q2 24 | $4.5M | $-12.8M | ||
| Q1 24 | $1.4M | $-13.2M |
| Q4 25 | 32.7% | -1.9% | ||
| Q3 25 | 24.6% | -0.6% | ||
| Q2 25 | 27.1% | 4.8% | ||
| Q1 25 | 9.3% | -17.2% | ||
| Q4 24 | 15.9% | 2.6% | ||
| Q3 24 | 22.3% | -0.6% | ||
| Q2 24 | 15.7% | -16.4% | ||
| Q1 24 | 5.0% | -16.7% |
| Q4 25 | 26.2% | -5.1% | ||
| Q3 25 | 19.5% | -8.0% | ||
| Q2 25 | 21.5% | -4.4% | ||
| Q1 25 | 7.7% | -11.8% | ||
| Q4 24 | 12.9% | -3.8% | ||
| Q3 24 | 17.1% | -11.7% | ||
| Q2 24 | 12.4% | -27.4% | ||
| Q1 24 | 4.0% | -29.4% |
| Q4 25 | $1.09 | $-0.11 | ||
| Q3 25 | $0.74 | $-0.18 | ||
| Q2 25 | $0.78 | $-0.12 | ||
| Q1 25 | $0.27 | $-0.21 | ||
| Q4 24 | $0.44 | $-0.11 | ||
| Q3 24 | $0.55 | $-0.31 | ||
| Q2 24 | $0.37 | $-0.57 | ||
| Q1 24 | $0.12 | $-0.59 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $10.5M |
| Total DebtLower is stronger | $4.4M | $185.1M |
| Stockholders' EquityBook value | $122.7M | $-18.2M |
| Total Assets | $453.4M | $434.9M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $10.5M | ||
| Q3 25 | — | $8.1M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $12.4M | ||
| Q3 24 | — | $10.1M | ||
| Q2 24 | — | $9.3M | ||
| Q1 24 | — | $7.5M |
| Q4 25 | $4.4M | $185.1M | ||
| Q3 25 | $4.8M | — | ||
| Q2 25 | $5.1M | — | ||
| Q1 25 | $5.4M | — | ||
| Q4 24 | $11.2M | $202.7M | ||
| Q3 24 | $17.3M | — | ||
| Q2 24 | $25.3M | — | ||
| Q1 24 | $25.3M | — |
| Q4 25 | $122.7M | $-18.2M | ||
| Q3 25 | $107.7M | $-12.1M | ||
| Q2 25 | $94.9M | $-7.7M | ||
| Q1 25 | $82.2M | $-8.1M | ||
| Q4 24 | $66.7M | $-4.4M | ||
| Q3 24 | $59.7M | $1.6M | ||
| Q2 24 | $40.8M | $6.5M | ||
| Q1 24 | $35.7M | $18.0M |
| Q4 25 | $453.4M | $434.9M | ||
| Q3 25 | $428.6M | $435.2M | ||
| Q2 25 | $393.4M | $438.1M | ||
| Q1 25 | $385.4M | $441.0M | ||
| Q4 24 | $374.9M | $471.0M | ||
| Q3 24 | $347.0M | $495.7M | ||
| Q2 24 | $319.8M | $494.9M | ||
| Q1 24 | $318.3M | $494.9M |
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.05× | — | ||
| Q1 25 | 0.07× | — | ||
| Q4 24 | 0.17× | — | ||
| Q3 24 | 0.29× | — | ||
| Q2 24 | 0.62× | — | ||
| Q1 24 | 0.71× | — |
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 | $4.3M |
| Free Cash FlowOCF − Capex | $73.1M | $4.1M |
| FCF MarginFCF / Revenue | 129.5% | 8.2% |
| Capex IntensityCapex / Revenue | 5.0% | 0.3% |
| Cash ConversionOCF / Net Profit | 5.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $-2.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $4.3M | ||
| Q3 25 | $25.9M | $295.0K | ||
| Q2 25 | $9.3M | $1.6M | ||
| Q1 25 | $17.9M | $-7.7M | ||
| Q4 24 | $57.9M | $8.0M | ||
| Q3 24 | $21.7M | $1.3M | ||
| Q2 24 | $7.1M | $-10.4M | ||
| Q1 24 | $6.1M | $-2.8M |
| Q4 25 | $73.1M | $4.1M | ||
| Q3 25 | $25.3M | $-246.0K | ||
| Q2 25 | $8.7M | $1.2M | ||
| Q1 25 | $17.0M | $-8.0M | ||
| Q4 24 | $55.6M | $7.0M | ||
| Q3 24 | $21.0M | $-1.1M | ||
| Q2 24 | $6.6M | $-10.6M | ||
| Q1 24 | $5.6M | $-4.7M |
| Q4 25 | 129.5% | 8.2% | ||
| Q3 25 | 45.4% | -0.5% | ||
| Q2 25 | 16.6% | 1.9% | ||
| Q1 25 | 33.7% | -19.8% | ||
| Q4 24 | 132.1% | 12.0% | ||
| Q3 24 | 51.6% | -1.8% | ||
| Q2 24 | 18.1% | -22.7% | ||
| Q1 24 | 15.5% | -10.4% |
| Q4 25 | 5.0% | 0.3% | ||
| Q3 25 | 1.2% | 1.0% | ||
| Q2 25 | 1.1% | 0.6% | ||
| Q1 25 | 1.7% | 0.6% | ||
| Q4 24 | 5.6% | 1.7% | ||
| Q3 24 | 1.7% | 4.0% | ||
| Q2 24 | 1.4% | 0.5% | ||
| Q1 24 | 1.5% | 4.3% |
| Q4 25 | 5.14× | — | ||
| Q3 25 | 2.38× | — | ||
| Q2 25 | 0.82× | — | ||
| Q1 25 | 4.60× | — | ||
| Q4 24 | 10.65× | — | ||
| Q3 24 | 3.12× | — | ||
| Q2 24 | 1.58× | — | ||
| Q1 24 | 4.27× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KINS
Segment breakdown not available.
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
