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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $56.4M, roughly 1.1× KINGSTONE COMPANIES, INC.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs 20.0%, a 6.2% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs 21.8%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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...
KINS vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $60.9M |
| Net Profit | $14.8M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | 32.7% | 1.5% |
| Net Margin | 26.2% | 20.0% |
| Revenue YoY | 34.0% | 21.8% |
| Net Profit YoY | 171.4% | 535.7% |
| EPS (diluted) | $1.09 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $55.7M | $41.9M | ||
| Q2 25 | $52.3M | $44.0M | ||
| Q1 25 | $50.5M | $99.0M | ||
| Q4 24 | $42.1M | $50.0M | ||
| Q3 24 | $40.8M | $70.1M | ||
| Q2 24 | $36.5M | $12.2M | ||
| Q1 24 | $35.8M | $15.9M |
| Q4 25 | $14.8M | $12.2M | ||
| Q3 25 | $10.9M | $-1.5M | ||
| Q2 25 | $11.3M | $1.5M | ||
| Q1 25 | $3.9M | $3.0M | ||
| Q4 24 | $5.4M | $1.9M | ||
| Q3 24 | $7.0M | $2.6M | ||
| Q2 24 | $4.5M | $1.4M | ||
| Q1 24 | $1.4M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | 32.7% | 1.5% | ||
| Q3 25 | 24.6% | -2.2% | ||
| Q2 25 | 27.1% | 5.1% | ||
| Q1 25 | 9.3% | 4.2% | ||
| Q4 24 | 15.9% | 0.0% | ||
| Q3 24 | 22.3% | 5.4% | ||
| Q2 24 | 15.7% | 14.0% | ||
| Q1 24 | 5.0% | 1.6% |
| Q4 25 | 26.2% | 20.0% | ||
| Q3 25 | 19.5% | -3.6% | ||
| Q2 25 | 21.5% | 3.4% | ||
| Q1 25 | 7.7% | 3.0% | ||
| Q4 24 | 12.9% | 3.8% | ||
| Q3 24 | 17.1% | 3.8% | ||
| Q2 24 | 12.4% | 11.5% | ||
| Q1 24 | 4.0% | 0.1% |
| Q4 25 | $1.09 | $0.44 | ||
| Q3 25 | $0.74 | $-0.06 | ||
| Q2 25 | $0.78 | $0.06 | ||
| Q1 25 | $0.27 | $0.12 | ||
| Q4 24 | $0.44 | $0.08 | ||
| Q3 24 | $0.55 | $0.10 | ||
| Q2 24 | $0.37 | $0.06 | ||
| Q1 24 | $0.12 | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $85.5M |
| Total DebtLower is stronger | $4.4M | — |
| Stockholders' EquityBook value | $122.7M | $76.6M |
| Total Assets | $453.4M | $184.9M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $85.5M | ||
| Q3 25 | — | $70.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $23.2M | ||
| Q3 24 | — | $46.4M | ||
| Q2 24 | — | $8.3M | ||
| Q1 24 | — | $14.4M |
| 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 | $76.6M | ||
| Q3 25 | $107.7M | $63.4M | ||
| Q2 25 | $94.9M | $9.5M | ||
| Q1 25 | $82.2M | $9.4M | ||
| Q4 24 | $66.7M | $7.1M | ||
| Q3 24 | $59.7M | $7.7M | ||
| Q2 24 | $40.8M | $5.2M | ||
| Q1 24 | $35.7M | $3.7M |
| Q4 25 | $453.4M | $184.9M | ||
| Q3 25 | $428.6M | $165.4M | ||
| Q2 25 | $393.4M | $139.5M | ||
| Q1 25 | $385.4M | $113.5M | ||
| Q4 24 | $374.9M | $96.6M | ||
| Q3 24 | $347.0M | $67.3M | ||
| Q2 24 | $319.8M | $28.9M | ||
| Q1 24 | $318.3M | $26.8M |
| 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 | $16.3M |
| Free Cash FlowOCF − Capex | $73.1M | $15.8M |
| FCF MarginFCF / Revenue | 129.5% | 25.9% |
| Capex IntensityCapex / Revenue | 5.0% | 0.9% |
| Cash ConversionOCF / Net Profit | 5.14× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $16.3M | ||
| Q3 25 | $25.9M | $-18.4M | ||
| Q2 25 | $9.3M | $16.3M | ||
| Q1 25 | $17.9M | $20.6M | ||
| Q4 24 | $57.9M | $-21.6M | ||
| Q3 24 | $21.7M | $38.6M | ||
| Q2 24 | $7.1M | $-4.3M | ||
| Q1 24 | $6.1M | $2.6M |
| Q4 25 | $73.1M | $15.8M | ||
| Q3 25 | $25.3M | $-24.9M | ||
| Q2 25 | $8.7M | $5.4M | ||
| Q1 25 | $17.0M | $5.8M | ||
| Q4 24 | $55.6M | $-28.4M | ||
| Q3 24 | $21.0M | $38.6M | ||
| Q2 24 | $6.6M | $-6.0M | ||
| Q1 24 | $5.6M | $2.6M |
| Q4 25 | 129.5% | 25.9% | ||
| Q3 25 | 45.4% | -59.3% | ||
| Q2 25 | 16.6% | 12.3% | ||
| Q1 25 | 33.7% | 5.8% | ||
| Q4 24 | 132.1% | -56.7% | ||
| Q3 24 | 51.6% | 55.1% | ||
| Q2 24 | 18.1% | -49.4% | ||
| Q1 24 | 15.5% | 16.4% |
| Q4 25 | 5.0% | 0.9% | ||
| Q3 25 | 1.2% | 15.3% | ||
| Q2 25 | 1.1% | 24.8% | ||
| Q1 25 | 1.7% | 15.0% | ||
| Q4 24 | 5.6% | 13.4% | ||
| Q3 24 | 1.7% | 0.1% | ||
| Q2 24 | 1.4% | 13.8% | ||
| Q1 24 | 1.5% | 0.2% |
| Q4 25 | 5.14× | 1.34× | ||
| Q3 25 | 2.38× | — | ||
| Q2 25 | 0.82× | 11.02× | ||
| Q1 25 | 4.60× | 6.93× | ||
| Q4 24 | 10.65× | -11.32× | ||
| Q3 24 | 3.12× | 14.60× | ||
| Q2 24 | 1.58× | -3.09× | ||
| Q1 24 | 4.27× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KINS
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
