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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and REGIS CORP (RGS). Click either name above to swap in a different company.
REGIS CORP is the larger business by last-quarter revenue ($57.1M vs $56.4M, roughly 1.0× KINGSTONE COMPANIES, INC.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs 0.8%, a 25.4% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs 22.3%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $891.0K). Over the past eight quarters, KINGSTONE COMPANIES, INC.'s revenue compounded faster (25.6% CAGR vs 7.8%).
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...
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
KINS vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $57.1M |
| Net Profit | $14.8M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 32.7% | 10.8% |
| Net Margin | 26.2% | 0.8% |
| Revenue YoY | 34.0% | 22.3% |
| Net Profit YoY | 171.4% | -94.0% |
| EPS (diluted) | $1.09 | $0.16 |
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 | $57.1M | ||
| Q3 25 | $55.7M | $59.0M | ||
| Q2 25 | $52.3M | $60.4M | ||
| Q1 25 | $50.5M | $57.0M | ||
| Q4 24 | $42.1M | $46.7M | ||
| Q3 24 | $40.8M | $46.1M | ||
| Q2 24 | $36.5M | $49.4M | ||
| Q1 24 | $35.8M | $49.2M |
| Q4 25 | $14.8M | $456.0K | ||
| Q3 25 | $10.9M | $1.4M | ||
| Q2 25 | $11.3M | $116.5M | ||
| Q1 25 | $3.9M | $250.0K | ||
| Q4 24 | $5.4M | $7.6M | ||
| Q3 24 | $7.0M | $-853.0K | ||
| Q2 24 | $4.5M | $91.2M | ||
| Q1 24 | $1.4M | $-2.3M |
| Q4 25 | 32.7% | 10.8% | ||
| Q3 25 | 24.6% | 10.0% | ||
| Q2 25 | 27.1% | 12.1% | ||
| Q1 25 | 9.3% | 8.8% | ||
| Q4 24 | 15.9% | 11.8% | ||
| Q3 24 | 22.3% | 4.6% | ||
| Q2 24 | 15.7% | — | ||
| Q1 24 | 5.0% | 8.3% |
| Q4 25 | 26.2% | 0.8% | ||
| Q3 25 | 19.5% | 2.3% | ||
| Q2 25 | 21.5% | 192.9% | ||
| Q1 25 | 7.7% | 0.4% | ||
| Q4 24 | 12.9% | 16.4% | ||
| Q3 24 | 17.1% | -1.9% | ||
| Q2 24 | 12.4% | 184.7% | ||
| Q1 24 | 4.0% | -4.7% |
| Q4 25 | $1.09 | $0.16 | ||
| Q3 25 | $0.74 | $0.49 | ||
| Q2 25 | $0.78 | $43.67 | ||
| Q1 25 | $0.27 | $0.08 | ||
| Q4 24 | $0.44 | $2.71 | ||
| Q3 24 | $0.55 | $-0.36 | ||
| Q2 24 | $0.37 | $38.40 | ||
| Q1 24 | $0.12 | $-1.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $18.4M |
| Total DebtLower is stronger | $4.4M | $113.3M |
| Stockholders' EquityBook value | $122.7M | $188.7M |
| Total Assets | $453.4M | $588.3M |
| Debt / EquityLower = less leverage | 0.04× | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $17.0M | ||
| Q1 25 | — | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.9M |
| Q4 25 | $4.4M | $113.3M | ||
| Q3 25 | $4.8M | $111.3M | ||
| Q2 25 | $5.1M | $110.8M | ||
| Q1 25 | $5.4M | $112.0M | ||
| Q4 24 | $11.2M | $111.5M | ||
| Q3 24 | $17.3M | $95.2M | ||
| Q2 24 | $25.3M | $99.5M | ||
| Q1 24 | $25.3M | $179.7M |
| Q4 25 | $122.7M | $188.7M | ||
| Q3 25 | $107.7M | $187.6M | ||
| Q2 25 | $94.9M | $185.6M | ||
| Q1 25 | $82.2M | $68.6M | ||
| Q4 24 | $66.7M | $66.7M | ||
| Q3 24 | $59.7M | $56.4M | ||
| Q2 24 | $40.8M | $56.8M | ||
| Q1 24 | $35.7M | $-35.8M |
| Q4 25 | $453.4M | $588.3M | ||
| Q3 25 | $428.6M | $592.1M | ||
| Q2 25 | $393.4M | $599.0M | ||
| Q1 25 | $385.4M | $511.2M | ||
| Q4 24 | $374.9M | $530.1M | ||
| Q3 24 | $347.0M | $508.9M | ||
| Q2 24 | $319.8M | $530.5M | ||
| Q1 24 | $318.3M | $543.7M |
| Q4 25 | 0.04× | 0.60× | ||
| Q3 25 | 0.04× | 0.59× | ||
| Q2 25 | 0.05× | 0.60× | ||
| Q1 25 | 0.07× | 1.63× | ||
| Q4 24 | 0.17× | 1.67× | ||
| Q3 24 | 0.29× | 1.69× | ||
| Q2 24 | 0.62× | 1.75× | ||
| 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 | $1.7M |
| Free Cash FlowOCF − Capex | $73.1M | $891.0K |
| FCF MarginFCF / Revenue | 129.5% | 1.6% |
| Capex IntensityCapex / Revenue | 5.0% | 1.4% |
| Cash ConversionOCF / Net Profit | 5.14× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $1.7M | ||
| Q3 25 | $25.9M | $2.3M | ||
| Q2 25 | $9.3M | $6.8M | ||
| Q1 25 | $17.9M | $6.2M | ||
| Q4 24 | $57.9M | $2.1M | ||
| Q3 24 | $21.7M | $-1.3M | ||
| Q2 24 | $7.1M | $5.1M | ||
| Q1 24 | $6.1M | $-277.0K |
| Q4 25 | $73.1M | $891.0K | ||
| Q3 25 | $25.3M | $1.9M | ||
| Q2 25 | $8.7M | $6.2M | ||
| Q1 25 | $17.0M | $5.9M | ||
| Q4 24 | $55.6M | $1.7M | ||
| Q3 24 | $21.0M | $-1.4M | ||
| Q2 24 | $6.6M | $5.1M | ||
| Q1 24 | $5.6M | $-326.0K |
| Q4 25 | 129.5% | 1.6% | ||
| Q3 25 | 45.4% | 3.2% | ||
| Q2 25 | 16.6% | 10.3% | ||
| Q1 25 | 33.7% | 10.3% | ||
| Q4 24 | 132.1% | 3.6% | ||
| Q3 24 | 51.6% | -3.0% | ||
| Q2 24 | 18.1% | 10.3% | ||
| Q1 24 | 15.5% | -0.7% |
| Q4 25 | 5.0% | 1.4% | ||
| Q3 25 | 1.2% | 0.7% | ||
| Q2 25 | 1.1% | 0.9% | ||
| Q1 25 | 1.7% | 0.6% | ||
| Q4 24 | 5.6% | 0.9% | ||
| Q3 24 | 1.7% | 0.0% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 1.5% | 0.1% |
| Q4 25 | 5.14× | 3.65× | ||
| Q3 25 | 2.38× | 1.68× | ||
| Q2 25 | 0.82× | 0.06× | ||
| Q1 25 | 4.60× | 24.80× | ||
| Q4 24 | 10.65× | 0.28× | ||
| Q3 24 | 3.12× | — | ||
| Q2 24 | 1.58× | 0.06× | ||
| 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.
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
