vs
Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and STEM, INC. (STEM). Click either name above to swap in a different company.
KINGSTONE COMPANIES, INC. is the larger business by last-quarter revenue ($56.4M vs $47.1M, roughly 1.2× STEM, INC.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs -33.9%, a 60.1% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 25.6%).
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...
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
KINS vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $47.1M |
| Net Profit | $14.8M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 32.7% | -17.7% |
| Net Margin | 26.2% | -33.9% |
| Revenue YoY | 34.0% | -15.6% |
| Net Profit YoY | 171.4% | 68.8% |
| EPS (diluted) | $1.09 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $55.7M | $38.2M | ||
| Q2 25 | $52.3M | $38.4M | ||
| Q1 25 | $50.5M | $32.5M | ||
| Q4 24 | $42.1M | $55.8M | ||
| Q3 24 | $40.8M | $29.3M | ||
| Q2 24 | $36.5M | $34.0M | ||
| Q1 24 | $35.8M | $25.5M |
| Q4 25 | $14.8M | $-16.0M | ||
| Q3 25 | $10.9M | $-23.8M | ||
| Q2 25 | $11.3M | $202.5M | ||
| Q1 25 | $3.9M | $-25.0M | ||
| Q4 24 | $5.4M | $-51.1M | ||
| Q3 24 | $7.0M | $-148.3M | ||
| Q2 24 | $4.5M | $-582.3M | ||
| Q1 24 | $1.4M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 32.7% | -17.7% | ||
| Q3 25 | 24.6% | -33.6% | ||
| Q2 25 | 27.1% | -34.8% | ||
| Q1 25 | 9.3% | -65.0% | ||
| Q4 24 | 15.9% | -84.4% | ||
| Q3 24 | 22.3% | -493.2% | ||
| Q2 24 | 15.7% | -1705.5% | ||
| Q1 24 | 5.0% | -267.0% |
| Q4 25 | 26.2% | -33.9% | ||
| Q3 25 | 19.5% | -62.2% | ||
| Q2 25 | 21.5% | 527.8% | ||
| Q1 25 | 7.7% | -76.9% | ||
| Q4 24 | 12.9% | -91.6% | ||
| Q3 24 | 17.1% | -506.3% | ||
| Q2 24 | 12.4% | -1712.6% | ||
| Q1 24 | 4.0% | -283.9% |
| Q4 25 | $1.09 | $-4.40 | ||
| Q3 25 | $0.74 | $-2.84 | ||
| Q2 25 | $0.78 | $-1.79 | ||
| Q1 25 | $0.27 | $-0.15 | ||
| Q4 24 | $0.44 | $-15.29 | ||
| Q3 24 | $0.55 | $-18.24 | ||
| Q2 24 | $0.37 | $-71.81 | ||
| Q1 24 | $0.12 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | $4.4M | — |
| Stockholders' EquityBook value | $122.7M | $-249.4M |
| Total Assets | $453.4M | $308.9M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| 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 | $-249.4M | ||
| Q3 25 | $107.7M | $-235.7M | ||
| Q2 25 | $94.9M | $-214.1M | ||
| Q1 25 | $82.2M | $-417.5M | ||
| Q4 24 | $66.7M | $-398.4M | ||
| Q3 24 | $59.7M | $-344.1M | ||
| Q2 24 | $40.8M | $-203.2M | ||
| Q1 24 | $35.7M | $371.6M |
| Q4 25 | $453.4M | $308.9M | ||
| Q3 25 | $428.6M | $362.6M | ||
| Q2 25 | $393.4M | $379.2M | ||
| Q1 25 | $385.4M | $405.1M | ||
| Q4 24 | $374.9M | $437.4M | ||
| Q3 24 | $347.0M | $537.8M | ||
| Q2 24 | $319.8M | $691.5M | ||
| Q1 24 | $318.3M | $1.3B |
| 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 | $8.2M |
| Free Cash FlowOCF − Capex | $73.1M | — |
| FCF MarginFCF / Revenue | 129.5% | — |
| Capex IntensityCapex / Revenue | 5.0% | — |
| Cash ConversionOCF / Net Profit | 5.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $8.2M | ||
| Q3 25 | $25.9M | $11.4M | ||
| Q2 25 | $9.3M | $-21.3M | ||
| Q1 25 | $17.9M | $8.5M | ||
| Q4 24 | $57.9M | $-14.7M | ||
| Q3 24 | $21.7M | $-9.4M | ||
| Q2 24 | $7.1M | $-11.9M | ||
| Q1 24 | $6.1M | $-621.0K |
| Q4 25 | $73.1M | — | ||
| Q3 25 | $25.3M | — | ||
| Q2 25 | $8.7M | — | ||
| Q1 25 | $17.0M | — | ||
| Q4 24 | $55.6M | — | ||
| Q3 24 | $21.0M | — | ||
| Q2 24 | $6.6M | — | ||
| Q1 24 | $5.6M | — |
| Q4 25 | 129.5% | — | ||
| Q3 25 | 45.4% | — | ||
| Q2 25 | 16.6% | — | ||
| Q1 25 | 33.7% | — | ||
| Q4 24 | 132.1% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 18.1% | — | ||
| Q1 24 | 15.5% | — |
| Q4 25 | 5.0% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 1.1% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 5.6% | — | ||
| Q3 24 | 1.7% | — | ||
| Q2 24 | 1.4% | — | ||
| Q1 24 | 1.5% | — |
| Q4 25 | 5.14× | — | ||
| Q3 25 | 2.38× | — | ||
| Q2 25 | 0.82× | -0.11× | ||
| 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.
