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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
KINGSTONE COMPANIES, INC. is the larger business by last-quarter revenue ($56.4M vs $36.5M, roughly 1.5× SmartRent, Inc.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs -8.9%, a 35.1% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs 3.1%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $7.7M). 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...
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
KINS vs SMRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $36.5M |
| Net Profit | $14.8M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | 32.7% | -10.9% |
| Net Margin | 26.2% | -8.9% |
| Revenue YoY | 34.0% | 3.1% |
| Net Profit YoY | 171.4% | 71.6% |
| EPS (diluted) | $1.09 | $-0.02 |
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 | $36.5M | ||
| Q3 25 | $55.7M | $36.2M | ||
| Q2 25 | $52.3M | $38.3M | ||
| Q1 25 | $50.5M | $41.3M | ||
| Q4 24 | $42.1M | $35.4M | ||
| Q3 24 | $40.8M | $40.5M | ||
| Q2 24 | $36.5M | $48.5M | ||
| Q1 24 | $35.8M | $50.5M |
| Q4 25 | $14.8M | $-3.2M | ||
| Q3 25 | $10.9M | $-6.3M | ||
| Q2 25 | $11.3M | $-10.9M | ||
| Q1 25 | $3.9M | $-40.2M | ||
| Q4 24 | $5.4M | $-11.4M | ||
| Q3 24 | $7.0M | $-9.9M | ||
| Q2 24 | $4.5M | $-4.6M | ||
| Q1 24 | $1.4M | $-7.7M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
| Q4 25 | 32.7% | -10.9% | ||
| Q3 25 | 24.6% | -19.4% | ||
| Q2 25 | 27.1% | -30.5% | ||
| Q1 25 | 9.3% | -99.9% | ||
| Q4 24 | 15.9% | -36.6% | ||
| Q3 24 | 22.3% | -29.0% | ||
| Q2 24 | 15.7% | -14.3% | ||
| Q1 24 | 5.0% | -20.1% |
| Q4 25 | 26.2% | -8.9% | ||
| Q3 25 | 19.5% | -17.3% | ||
| Q2 25 | 21.5% | -28.3% | ||
| Q1 25 | 7.7% | -97.2% | ||
| Q4 24 | 12.9% | -32.3% | ||
| Q3 24 | 17.1% | -24.5% | ||
| Q2 24 | 12.4% | -9.5% | ||
| Q1 24 | 4.0% | -15.2% |
| Q4 25 | $1.09 | $-0.02 | ||
| Q3 25 | $0.74 | $-0.03 | ||
| Q2 25 | $0.78 | $-0.06 | ||
| Q1 25 | $0.27 | $-0.21 | ||
| Q4 24 | $0.44 | $-0.06 | ||
| Q3 24 | $0.55 | $-0.05 | ||
| Q2 24 | $0.37 | $-0.02 | ||
| Q1 24 | $0.12 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.5M |
| Total DebtLower is stronger | $4.4M | — |
| Stockholders' EquityBook value | $122.7M | $232.1M |
| Total Assets | $453.4M | $320.9M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.5M | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M | ||
| Q1 24 | — | $204.7M |
| Q4 25 | $4.4M | — | ||
| Q3 25 | $4.8M | — | ||
| Q2 25 | $5.1M | — | ||
| Q1 25 | $5.4M | — | ||
| Q4 24 | $11.2M | — | ||
| Q3 24 | $17.3M | — | ||
| Q2 24 | $25.3M | — | ||
| Q1 24 | $25.3M | — |
| Q4 25 | $122.7M | $232.1M | ||
| Q3 25 | $107.7M | $234.4M | ||
| Q2 25 | $94.9M | $238.8M | ||
| Q1 25 | $82.2M | $250.7M | ||
| Q4 24 | $66.7M | $289.4M | ||
| Q3 24 | $59.7M | $305.1M | ||
| Q2 24 | $40.8M | $329.4M | ||
| Q1 24 | $35.7M | $333.1M |
| Q4 25 | $453.4M | $320.9M | ||
| Q3 25 | $428.6M | $335.8M | ||
| Q2 25 | $393.4M | $354.0M | ||
| Q1 25 | $385.4M | $366.1M | ||
| Q4 24 | $374.9M | $420.2M | ||
| Q3 24 | $347.0M | $448.6M | ||
| Q2 24 | $319.8M | $475.3M | ||
| Q1 24 | $318.3M | $485.5M |
| 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 | $7.7M |
| Free Cash FlowOCF − Capex | $73.1M | $7.7M |
| FCF MarginFCF / Revenue | 129.5% | 21.0% |
| Capex IntensityCapex / Revenue | 5.0% | 0.0% |
| Cash ConversionOCF / Net Profit | 5.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $7.7M | ||
| Q3 25 | $25.9M | $-2.1M | ||
| Q2 25 | $9.3M | $-14.9M | ||
| Q1 25 | $17.9M | $-12.2M | ||
| Q4 24 | $57.9M | $-12.0M | ||
| Q3 24 | $21.7M | $-3.7M | ||
| Q2 24 | $7.1M | $-13.9M | ||
| Q1 24 | $6.1M | $-3.3M |
| Q4 25 | $73.1M | $7.7M | ||
| Q3 25 | $25.3M | $-2.2M | ||
| Q2 25 | $8.7M | $-16.2M | ||
| Q1 25 | $17.0M | $-14.3M | ||
| Q4 24 | $55.6M | $-13.3M | ||
| Q3 24 | $21.0M | $-3.9M | ||
| Q2 24 | $6.6M | $-14.1M | ||
| Q1 24 | $5.6M | $-3.4M |
| Q4 25 | 129.5% | 21.0% | ||
| Q3 25 | 45.4% | -6.1% | ||
| Q2 25 | 16.6% | -42.3% | ||
| Q1 25 | 33.7% | -34.7% | ||
| Q4 24 | 132.1% | -37.5% | ||
| Q3 24 | 51.6% | -9.7% | ||
| Q2 24 | 18.1% | -29.1% | ||
| Q1 24 | 15.5% | -6.7% |
| Q4 25 | 5.0% | 0.0% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 1.1% | 3.3% | ||
| Q1 25 | 1.7% | 5.3% | ||
| Q4 24 | 5.6% | 3.5% | ||
| Q3 24 | 1.7% | 0.6% | ||
| Q2 24 | 1.4% | 0.5% | ||
| 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× | — | ||
| 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.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
