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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $56.4M, roughly 1.4× KINGSTONE COMPANIES, INC.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs -178.3%, a 204.5% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs 0.4%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $23.2M). Over the past eight quarters, KINGSTONE COMPANIES, INC.'s revenue compounded faster (25.6% CAGR vs -1.3%).
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...
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
KINS vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $78.6M |
| Net Profit | $14.8M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 32.7% | -182.2% |
| Net Margin | 26.2% | -178.3% |
| Revenue YoY | 34.0% | 0.4% |
| Net Profit YoY | 171.4% | -3304.1% |
| EPS (diluted) | $1.09 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $55.7M | $77.7M | ||
| Q2 25 | $52.3M | $75.6M | ||
| Q1 25 | $50.5M | $77.3M | ||
| Q4 24 | $42.1M | $78.3M | ||
| Q3 24 | $40.8M | $79.1M | ||
| Q2 24 | $36.5M | $74.9M | ||
| Q1 24 | $35.8M | $80.7M |
| Q4 25 | $14.8M | $-140.1M | ||
| Q3 25 | $10.9M | $-6.4M | ||
| Q2 25 | $11.3M | $-102.3M | ||
| Q1 25 | $3.9M | $-7.9M | ||
| Q4 24 | $5.4M | $-4.1M | ||
| Q3 24 | $7.0M | $3.2M | ||
| Q2 24 | $4.5M | $-4.1M | ||
| Q1 24 | $1.4M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 32.7% | -182.2% | ||
| Q3 25 | 24.6% | -3.9% | ||
| Q2 25 | 27.1% | -138.7% | ||
| Q1 25 | 9.3% | -4.7% | ||
| Q4 24 | 15.9% | -1.5% | ||
| Q3 24 | 22.3% | -0.9% | ||
| Q2 24 | 15.7% | -4.6% | ||
| Q1 24 | 5.0% | -3.1% |
| Q4 25 | 26.2% | -178.3% | ||
| Q3 25 | 19.5% | -8.3% | ||
| Q2 25 | 21.5% | -135.2% | ||
| Q1 25 | 7.7% | -10.3% | ||
| Q4 24 | 12.9% | -5.3% | ||
| Q3 24 | 17.1% | 4.1% | ||
| Q2 24 | 12.4% | -5.4% | ||
| Q1 24 | 4.0% | -6.5% |
| Q4 25 | $1.09 | $-1.68 | ||
| Q3 25 | $0.74 | $-0.08 | ||
| Q2 25 | $0.78 | $-1.15 | ||
| Q1 25 | $0.27 | $-0.09 | ||
| Q4 24 | $0.44 | $-0.04 | ||
| Q3 24 | $0.55 | $0.03 | ||
| Q2 24 | $0.37 | $-0.04 | ||
| Q1 24 | $0.12 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $115.7M |
| Total DebtLower is stronger | $4.4M | $280.1M |
| Stockholders' EquityBook value | $122.7M | $484.4M |
| Total Assets | $453.4M | $1.2B |
| Debt / EquityLower = less leverage | 0.04× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | $4.4M | $280.1M | ||
| Q3 25 | $4.8M | $279.5M | ||
| Q2 25 | $5.1M | $279.0M | ||
| Q1 25 | $5.4M | $497.6M | ||
| Q4 24 | $11.2M | $496.8M | ||
| Q3 24 | $17.3M | $496.2M | ||
| Q2 24 | $25.3M | $435.6M | ||
| Q1 24 | $25.3M | $434.9M |
| Q4 25 | $122.7M | $484.4M | ||
| Q3 25 | $107.7M | $616.9M | ||
| Q2 25 | $94.9M | $633.7M | ||
| Q1 25 | $82.2M | $755.7M | ||
| Q4 24 | $66.7M | $761.3M | ||
| Q3 24 | $59.7M | $754.7M | ||
| Q2 24 | $40.8M | $815.4M | ||
| Q1 24 | $35.7M | $813.8M |
| Q4 25 | $453.4M | $1.2B | ||
| Q3 25 | $428.6M | $1.3B | ||
| Q2 25 | $393.4M | $1.4B | ||
| Q1 25 | $385.4M | $1.5B | ||
| Q4 24 | $374.9M | $1.6B | ||
| Q3 24 | $347.0M | $1.6B | ||
| Q2 24 | $319.8M | $1.5B | ||
| Q1 24 | $318.3M | $1.5B |
| Q4 25 | 0.04× | 0.58× | ||
| Q3 25 | 0.04× | 0.45× | ||
| Q2 25 | 0.05× | 0.44× | ||
| Q1 25 | 0.07× | 0.66× | ||
| Q4 24 | 0.17× | 0.65× | ||
| Q3 24 | 0.29× | 0.66× | ||
| Q2 24 | 0.62× | 0.53× | ||
| Q1 24 | 0.71× | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $73.1M | $23.2M |
| FCF MarginFCF / Revenue | 129.5% | 29.6% |
| Capex IntensityCapex / Revenue | 5.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 5.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $23.3M | ||
| Q3 25 | $25.9M | $32.2M | ||
| Q2 25 | $9.3M | $33.1M | ||
| Q1 25 | $17.9M | $2.5M | ||
| Q4 24 | $57.9M | $34.3M | ||
| Q3 24 | $21.7M | $60.1M | ||
| Q2 24 | $7.1M | $31.0M | ||
| Q1 24 | $6.1M | $24.8M |
| Q4 25 | $73.1M | $23.2M | ||
| Q3 25 | $25.3M | $32.1M | ||
| Q2 25 | $8.7M | $33.0M | ||
| Q1 25 | $17.0M | $2.4M | ||
| Q4 24 | $55.6M | $34.0M | ||
| Q3 24 | $21.0M | $59.8M | ||
| Q2 24 | $6.6M | $30.5M | ||
| Q1 24 | $5.6M | $24.7M |
| Q4 25 | 129.5% | 29.6% | ||
| Q3 25 | 45.4% | 41.3% | ||
| Q2 25 | 16.6% | 43.6% | ||
| Q1 25 | 33.7% | 3.0% | ||
| Q4 24 | 132.1% | 43.5% | ||
| Q3 24 | 51.6% | 75.6% | ||
| Q2 24 | 18.1% | 40.7% | ||
| Q1 24 | 15.5% | 30.6% |
| Q4 25 | 5.0% | 0.1% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 1.1% | 0.1% | ||
| Q1 25 | 1.7% | 0.2% | ||
| Q4 24 | 5.6% | 0.3% | ||
| Q3 24 | 1.7% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| Q1 24 | 1.5% | 0.1% |
| Q4 25 | 5.14× | — | ||
| Q3 25 | 2.38× | — | ||
| Q2 25 | 0.82× | — | ||
| Q1 25 | 4.60× | — | ||
| Q4 24 | 10.65× | — | ||
| Q3 24 | 3.12× | 18.52× | ||
| 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.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
