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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and SBC Medical Group Holdings Inc (SBC). Click either name above to swap in a different company.
KINGSTONE COMPANIES, INC. is the larger business by last-quarter revenue ($56.4M vs $39.6M, roughly 1.4× SBC Medical Group Holdings Inc). SBC Medical Group Holdings Inc runs the higher net margin — 35.9% vs 26.2%, a 9.7% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs -10.9%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $51.2M). Over the past eight quarters, KINGSTONE COMPANIES, INC.'s revenue compounded faster (25.6% CAGR vs -15.0%).
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...
SBC Medical Group Holdings Inc. is a leading Japan-headquartered healthcare provider primarily focused on aesthetic medicine, dermatology, and anti-aging wellness services. It operates an extensive network of clinics across Japan, catering to both domestic patients and international medical tourists, with core offerings including cosmetic surgery and non-invasive skincare treatments.
KINS vs SBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $39.6M |
| Net Profit | $14.8M | $14.2M |
| Gross Margin | — | 73.1% |
| Operating Margin | 32.7% | 32.5% |
| Net Margin | 26.2% | 35.9% |
| Revenue YoY | 34.0% | -10.9% |
| Net Profit YoY | 171.4% | 117.2% |
| EPS (diluted) | $1.09 | $0.15 |
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 | $39.6M | ||
| Q3 25 | $55.7M | $43.4M | ||
| Q2 25 | $52.3M | $43.4M | ||
| Q1 25 | $50.5M | $47.3M | ||
| Q4 24 | $42.1M | $44.4M | ||
| Q3 24 | $40.8M | $53.1M | ||
| Q2 24 | $36.5M | $53.1M | ||
| Q1 24 | $35.8M | $54.8M |
| Q4 25 | $14.8M | $14.2M | ||
| Q3 25 | $10.9M | $12.8M | ||
| Q2 25 | $11.3M | $2.5M | ||
| Q1 25 | $3.9M | $21.5M | ||
| Q4 24 | $5.4M | $6.5M | ||
| Q3 24 | $7.0M | $2.8M | ||
| Q2 24 | $4.5M | $18.5M | ||
| Q1 24 | $1.4M | $18.8M |
| Q4 25 | — | 73.1% | ||
| Q3 25 | — | 70.6% | ||
| Q2 25 | — | 69.2% | ||
| Q1 25 | — | 79.7% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 81.5% | ||
| Q2 24 | — | 74.2% | ||
| Q1 24 | — | 72.1% |
| Q4 25 | 32.7% | 32.5% | ||
| Q3 25 | 24.6% | 36.6% | ||
| Q2 25 | 27.1% | 33.6% | ||
| Q1 25 | 9.3% | 51.1% | ||
| Q4 24 | 15.9% | 10.6% | ||
| Q3 24 | 22.3% | 26.1% | ||
| Q2 24 | 15.7% | 51.4% | ||
| Q1 24 | 5.0% | 44.6% |
| Q4 25 | 26.2% | 35.9% | ||
| Q3 25 | 19.5% | 29.6% | ||
| Q2 25 | 21.5% | 5.7% | ||
| Q1 25 | 7.7% | 45.4% | ||
| Q4 24 | 12.9% | 14.7% | ||
| Q3 24 | 17.1% | 5.3% | ||
| Q2 24 | 12.4% | 34.8% | ||
| Q1 24 | 4.0% | 34.2% |
| Q4 25 | $1.09 | $0.15 | ||
| Q3 25 | $0.74 | $0.12 | ||
| Q2 25 | $0.78 | $0.02 | ||
| Q1 25 | $0.27 | $0.21 | ||
| Q4 24 | $0.44 | $0.05 | ||
| Q3 24 | $0.55 | $0.03 | ||
| Q2 24 | $0.37 | $0.20 | ||
| Q1 24 | $0.12 | $0.20 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $164.1M |
| Total DebtLower is stronger | $4.4M | $42.8M |
| Stockholders' EquityBook value | $122.7M | $248.3M |
| Total Assets | $453.4M | $380.4M |
| Debt / EquityLower = less leverage | 0.04× | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $164.1M | ||
| Q3 25 | — | $127.4M | ||
| Q2 25 | — | $152.7M | ||
| Q1 25 | — | $132.1M | ||
| Q4 24 | — | $125.0M | ||
| Q3 24 | — | $137.4M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $4.4M | $42.8M | ||
| Q3 25 | $4.8M | $21.1M | ||
| Q2 25 | $5.1M | $7.1M | ||
| Q1 25 | $5.4M | $6.9M | ||
| Q4 24 | $11.2M | $6.6M | ||
| Q3 24 | $17.3M | $823.2K | ||
| Q2 24 | $25.3M | — | ||
| Q1 24 | $25.3M | — |
| Q4 25 | $122.7M | $248.3M | ||
| Q3 25 | $107.7M | $248.0M | ||
| Q2 25 | $94.9M | $244.6M | ||
| Q1 25 | $82.2M | $226.4M | ||
| Q4 24 | $66.7M | $195.1M | ||
| Q3 24 | $59.7M | $205.0M | ||
| Q2 24 | $40.8M | $8.8M | ||
| Q1 24 | $35.7M | $9.0M |
| Q4 25 | $453.4M | $380.4M | ||
| Q3 25 | $428.6M | $321.4M | ||
| Q2 25 | $393.4M | $315.3M | ||
| Q1 25 | $385.4M | $284.6M | ||
| Q4 24 | $374.9M | $266.1M | ||
| Q3 24 | $347.0M | $296.5M | ||
| Q2 24 | $319.8M | $19.5M | ||
| Q1 24 | $318.3M | $19.8M |
| Q4 25 | 0.04× | 0.17× | ||
| Q3 25 | 0.04× | 0.09× | ||
| Q2 25 | 0.05× | 0.03× | ||
| Q1 25 | 0.07× | 0.03× | ||
| Q4 24 | 0.17× | 0.03× | ||
| Q3 24 | 0.29× | 0.00× | ||
| 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 | $52.0M |
| Free Cash FlowOCF − Capex | $73.1M | $51.2M |
| FCF MarginFCF / Revenue | 129.5% | 129.3% |
| Capex IntensityCapex / Revenue | 5.0% | 2.0% |
| Cash ConversionOCF / Net Profit | 5.14× | 3.66× |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $23.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $52.0M | ||
| Q3 25 | $25.9M | $-20.9M | ||
| Q2 25 | $9.3M | $-8.3M | ||
| Q1 25 | $17.9M | $1.9M | ||
| Q4 24 | $57.9M | $-7.3M | ||
| Q3 24 | $21.7M | $5.0M | ||
| Q2 24 | $7.1M | $19.2M | ||
| Q1 24 | $6.1M | $3.7M |
| Q4 25 | $73.1M | $51.2M | ||
| Q3 25 | $25.3M | $-20.9M | ||
| Q2 25 | $8.7M | $-8.6M | ||
| Q1 25 | $17.0M | $1.7M | ||
| Q4 24 | $55.6M | $-7.9M | ||
| Q3 24 | $21.0M | $4.6M | ||
| Q2 24 | $6.6M | $18.3M | ||
| Q1 24 | $5.6M | $3.0M |
| Q4 25 | 129.5% | 129.3% | ||
| Q3 25 | 45.4% | -48.3% | ||
| Q2 25 | 16.6% | -19.9% | ||
| Q1 25 | 33.7% | 3.5% | ||
| Q4 24 | 132.1% | -17.8% | ||
| Q3 24 | 51.6% | 8.7% | ||
| Q2 24 | 18.1% | 34.5% | ||
| Q1 24 | 15.5% | 5.4% |
| Q4 25 | 5.0% | 2.0% | ||
| Q3 25 | 1.2% | 0.1% | ||
| Q2 25 | 1.1% | 0.7% | ||
| Q1 25 | 1.7% | 0.5% | ||
| Q4 24 | 5.6% | 1.3% | ||
| Q3 24 | 1.7% | 0.8% | ||
| Q2 24 | 1.4% | 1.6% | ||
| Q1 24 | 1.5% | 1.3% |
| Q4 25 | 5.14× | 3.66× | ||
| Q3 25 | 2.38× | -1.63× | ||
| Q2 25 | 0.82× | -3.39× | ||
| Q1 25 | 4.60× | 0.09× | ||
| Q4 24 | 10.65× | -1.12× | ||
| Q3 24 | 3.12× | 1.77× | ||
| Q2 24 | 1.58× | 1.04× | ||
| Q1 24 | 4.27× | 0.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KINS
Segment breakdown not available.
SBC
| Franchising | $10.3M | 26% |
| Medical Corporation Shobikai | $8.1M | 21% |
| Medical Corporation Nasukai | $7.2M | 18% |
| Management Services | $6.3M | 16% |
| Rental Services | $4.3M | 11% |
| Medical Corporation Association Furinkai | $3.0M | 8% |
| Japan Medical And Beauty Inc | $656.5K | 2% |
