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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and Neuronetics, Inc. (STIM). Click either name above to swap in a different company.
KINGSTONE COMPANIES, INC. is the larger business by last-quarter revenue ($56.4M vs $41.8M, roughly 1.4× Neuronetics, Inc.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs -17.2%, a 43.4% gap on every dollar of revenue. On growth, Neuronetics, Inc. posted the faster year-over-year revenue change (85.7% vs 34.0%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $692.0K). Over the past eight quarters, Neuronetics, Inc.'s revenue compounded faster (54.9% 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...
Neuronetics is a Malvern, PA based, publicly traded company incorporated in Delaware in April 2003, that develops non-invasive treatments for psychiatric disorders that have shown resistance or lack of improvement using traditional medicine. The treatments are based upon neuromodulation technology.
KINS vs STIM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $41.8M |
| Net Profit | $14.8M | $-7.2M |
| Gross Margin | — | 52.0% |
| Operating Margin | 32.7% | -12.1% |
| Net Margin | 26.2% | -17.2% |
| Revenue YoY | 34.0% | 85.7% |
| Net Profit YoY | 171.4% | 43.2% |
| EPS (diluted) | $1.09 | $-0.10 |
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 | $41.8M | ||
| Q3 25 | $55.7M | $37.3M | ||
| Q2 25 | $52.3M | $38.1M | ||
| Q1 25 | $50.5M | $32.0M | ||
| Q4 24 | $42.1M | $22.5M | ||
| Q3 24 | $40.8M | $18.5M | ||
| Q2 24 | $36.5M | $16.4M | ||
| Q1 24 | $35.8M | $17.4M |
| Q4 25 | $14.8M | $-7.2M | ||
| Q3 25 | $10.9M | $-9.0M | ||
| Q2 25 | $11.3M | $-10.1M | ||
| Q1 25 | $3.9M | $-12.7M | ||
| Q4 24 | $5.4M | $-12.7M | ||
| Q3 24 | $7.0M | $-13.3M | ||
| Q2 24 | $4.5M | $-9.8M | ||
| Q1 24 | $1.4M | $-7.9M |
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% | ||
| Q1 24 | — | 75.1% |
| Q4 25 | 32.7% | -12.1% | ||
| Q3 25 | 24.6% | -19.6% | ||
| Q2 25 | 27.1% | -21.1% | ||
| Q1 25 | 9.3% | -34.4% | ||
| Q4 24 | 15.9% | -51.0% | ||
| Q3 24 | 22.3% | -41.7% | ||
| Q2 24 | 15.7% | -51.7% | ||
| Q1 24 | 5.0% | -39.4% |
| Q4 25 | 26.2% | -17.2% | ||
| Q3 25 | 19.5% | -24.3% | ||
| Q2 25 | 21.5% | -26.6% | ||
| Q1 25 | 7.7% | -39.6% | ||
| Q4 24 | 12.9% | -56.4% | ||
| Q3 24 | 17.1% | -72.0% | ||
| Q2 24 | 12.4% | -59.8% | ||
| Q1 24 | 4.0% | -45.2% |
| Q4 25 | $1.09 | $-0.10 | ||
| Q3 25 | $0.74 | $-0.13 | ||
| Q2 25 | $0.78 | $-0.15 | ||
| Q1 25 | $0.27 | $-0.21 | ||
| Q4 24 | $0.44 | $-0.34 | ||
| Q3 24 | $0.55 | $-0.44 | ||
| Q2 24 | $0.37 | $-0.33 | ||
| Q1 24 | $0.12 | $-0.27 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $28.1M |
| Total DebtLower is stronger | $4.4M | $65.8M |
| Stockholders' EquityBook value | $122.7M | $22.4M |
| Total Assets | $453.4M | $141.6M |
| Debt / EquityLower = less leverage | 0.04× | 2.94× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $28.1M | ||
| Q3 25 | — | $28.0M | ||
| Q2 25 | — | $11.0M | ||
| Q1 25 | — | $20.2M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $42.6M | ||
| Q1 24 | — | $47.7M |
| Q4 25 | $4.4M | $65.8M | ||
| Q3 25 | $4.8M | $65.7M | ||
| Q2 25 | $5.1M | $55.5M | ||
| Q1 25 | $5.4M | $55.3M | ||
| Q4 24 | $11.2M | $55.2M | ||
| Q3 24 | $17.3M | $46.0M | ||
| Q2 24 | $25.3M | $59.8M | ||
| Q1 24 | $25.3M | $59.4M |
| Q4 25 | $122.7M | $22.4M | ||
| Q3 25 | $107.7M | $27.4M | ||
| Q2 25 | $94.9M | $27.1M | ||
| Q1 25 | $82.2M | $35.5M | ||
| Q4 24 | $66.7M | $27.7M | ||
| Q3 24 | $59.7M | $9.4M | ||
| Q2 24 | $40.8M | $19.4M | ||
| Q1 24 | $35.7M | $27.7M |
| Q4 25 | $453.4M | $141.6M | ||
| Q3 25 | $428.6M | $145.5M | ||
| Q2 25 | $393.4M | $134.7M | ||
| Q1 25 | $385.4M | $142.0M | ||
| Q4 24 | $374.9M | $140.9M | ||
| Q3 24 | $347.0M | — | ||
| Q2 24 | $319.8M | $96.8M | ||
| Q1 24 | $318.3M | $103.8M |
| Q4 25 | 0.04× | 2.94× | ||
| Q3 25 | 0.04× | 2.40× | ||
| Q2 25 | 0.05× | 2.05× | ||
| Q1 25 | 0.07× | 1.56× | ||
| Q4 24 | 0.17× | 1.99× | ||
| Q3 24 | 0.29× | 4.90× | ||
| Q2 24 | 0.62× | 3.08× | ||
| Q1 24 | 0.71× | 2.15× |
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 | $908.0K |
| Free Cash FlowOCF − Capex | $73.1M | $692.0K |
| FCF MarginFCF / Revenue | 129.5% | 1.7% |
| Capex IntensityCapex / Revenue | 5.0% | 0.5% |
| Cash ConversionOCF / Net Profit | 5.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $-21.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $908.0K | ||
| Q3 25 | $25.9M | $-785.0K | ||
| Q2 25 | $9.3M | $-3.5M | ||
| Q1 25 | $17.9M | $-17.0M | ||
| Q4 24 | $57.9M | $-8.6M | ||
| Q3 24 | $21.7M | $-5.4M | ||
| Q2 24 | $7.1M | $-5.0M | ||
| Q1 24 | $6.1M | $-12.0M |
| Q4 25 | $73.1M | $692.0K | ||
| Q3 25 | $25.3M | $-899.0K | ||
| Q2 25 | $8.7M | $-3.8M | ||
| Q1 25 | $17.0M | $-17.2M | ||
| Q4 24 | $55.6M | $-8.7M | ||
| Q3 24 | $21.0M | $-5.8M | ||
| Q2 24 | $6.6M | $-5.6M | ||
| Q1 24 | $5.6M | $-12.4M |
| Q4 25 | 129.5% | 1.7% | ||
| Q3 25 | 45.4% | -2.4% | ||
| Q2 25 | 16.6% | -9.9% | ||
| Q1 25 | 33.7% | -53.8% | ||
| Q4 24 | 132.1% | -38.6% | ||
| Q3 24 | 51.6% | -31.3% | ||
| Q2 24 | 18.1% | -34.0% | ||
| Q1 24 | 15.5% | -71.1% |
| Q4 25 | 5.0% | 0.5% | ||
| Q3 25 | 1.2% | 0.3% | ||
| Q2 25 | 1.1% | 0.7% | ||
| Q1 25 | 1.7% | 0.7% | ||
| Q4 24 | 5.6% | 0.4% | ||
| Q3 24 | 1.7% | 2.1% | ||
| Q2 24 | 1.4% | 3.7% | ||
| Q1 24 | 1.5% | 2.2% |
| 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.
