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Side-by-side financial comparison of KINGSTONE COMPANIES, INC. (KINS) and Vericel Corp (VCEL). Click either name above to swap in a different company.
Vericel Corp is the larger business by last-quarter revenue ($92.9M vs $56.4M, roughly 1.6× KINGSTONE COMPANIES, INC.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs 25.0%, a 1.1% gap on every dollar of revenue. On growth, KINGSTONE COMPANIES, INC. posted the faster year-over-year revenue change (34.0% vs 23.3%). KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $12.8M). Over the past eight quarters, Vericel Corp's revenue compounded faster (34.6% 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...
Vericel Corporation is a publicly traded American biopharmaceutical company which was known prior to October 2014 as Aastrom Bio. Aastrom Bio was formed in 1989 in Ann Arbor, Michigan.
KINS vs VCEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $56.4M | $92.9M |
| Net Profit | $14.8M | $23.2M |
| Gross Margin | — | 78.7% |
| Operating Margin | 32.7% | 24.1% |
| Net Margin | 26.2% | 25.0% |
| Revenue YoY | 34.0% | 23.3% |
| Net Profit YoY | 171.4% | 17.3% |
| EPS (diluted) | $1.09 | $0.46 |
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 | $92.9M | ||
| Q3 25 | $55.7M | $67.5M | ||
| Q2 25 | $52.3M | $63.2M | ||
| Q1 25 | $50.5M | $52.6M | ||
| Q4 24 | $42.1M | $75.4M | ||
| Q3 24 | $40.8M | $57.9M | ||
| Q2 24 | $36.5M | $52.7M | ||
| Q1 24 | $35.8M | $51.3M |
| Q4 25 | $14.8M | $23.2M | ||
| Q3 25 | $10.9M | $5.1M | ||
| Q2 25 | $11.3M | $-553.0K | ||
| Q1 25 | $3.9M | $-11.2M | ||
| Q4 24 | $5.4M | $19.8M | ||
| Q3 24 | $7.0M | $-901.0K | ||
| Q2 24 | $4.5M | $-4.7M | ||
| Q1 24 | $1.4M | $-3.9M |
| Q4 25 | — | 78.7% | ||
| Q3 25 | — | 73.5% | ||
| Q2 25 | — | 73.7% | ||
| Q1 25 | — | 69.0% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 71.9% | ||
| Q2 24 | — | 69.5% | ||
| Q1 24 | — | 68.9% |
| Q4 25 | 32.7% | 24.1% | ||
| Q3 25 | 24.6% | 5.1% | ||
| Q2 25 | 27.1% | -3.2% | ||
| Q1 25 | 9.3% | -24.3% | ||
| Q4 24 | 15.9% | 24.5% | ||
| Q3 24 | 22.3% | -4.3% | ||
| Q2 24 | 15.7% | -11.5% | ||
| Q1 24 | 5.0% | -10.7% |
| Q4 25 | 26.2% | 25.0% | ||
| Q3 25 | 19.5% | 7.5% | ||
| Q2 25 | 21.5% | -0.9% | ||
| Q1 25 | 7.7% | -21.4% | ||
| Q4 24 | 12.9% | 26.3% | ||
| Q3 24 | 17.1% | -1.6% | ||
| Q2 24 | 12.4% | -8.9% | ||
| Q1 24 | 4.0% | -7.5% |
| Q4 25 | $1.09 | $0.46 | ||
| Q3 25 | $0.74 | $0.10 | ||
| Q2 25 | $0.78 | $-0.01 | ||
| Q1 25 | $0.27 | $-0.23 | ||
| Q4 24 | $0.44 | $0.40 | ||
| Q3 24 | $0.55 | $-0.02 | ||
| Q2 24 | $0.37 | $-0.10 | ||
| Q1 24 | $0.12 | $-0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $137.5M |
| Total DebtLower is stronger | $4.4M | — |
| Stockholders' EquityBook value | $122.7M | $354.6M |
| Total Assets | $453.4M | $488.0M |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $137.5M | ||
| Q3 25 | — | $135.4M | ||
| Q2 25 | — | $116.9M | ||
| Q1 25 | — | $112.9M | ||
| Q4 24 | — | $116.2M | ||
| Q3 24 | — | $101.7M | ||
| Q2 24 | — | $102.5M | ||
| Q1 24 | — | $110.6M |
| 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 | $354.6M | ||
| Q3 25 | $107.7M | $321.9M | ||
| Q2 25 | $94.9M | $306.8M | ||
| Q1 25 | $82.2M | $295.5M | ||
| Q4 24 | $66.7M | $292.0M | ||
| Q3 24 | $59.7M | $257.5M | ||
| Q2 24 | $40.8M | $243.0M | ||
| Q1 24 | $35.7M | $233.9M |
| Q4 25 | $453.4M | $488.0M | ||
| Q3 25 | $428.6M | $453.3M | ||
| Q2 25 | $393.4M | $435.6M | ||
| Q1 25 | $385.4M | $424.6M | ||
| Q4 24 | $374.9M | $432.7M | ||
| Q3 24 | $347.0M | $390.4M | ||
| Q2 24 | $319.8M | $376.8M | ||
| Q1 24 | $318.3M | $356.7M |
| 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 | $15.0M |
| Free Cash FlowOCF − Capex | $73.1M | $12.8M |
| FCF MarginFCF / Revenue | 129.5% | 13.8% |
| Capex IntensityCapex / Revenue | 5.0% | 2.4% |
| Cash ConversionOCF / Net Profit | 5.14× | 0.65× |
| TTM Free Cash FlowTrailing 4 quarters | $124.0M | $24.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $75.9M | $15.0M | ||
| Q3 25 | $25.9M | $22.1M | ||
| Q2 25 | $9.3M | $8.2M | ||
| Q1 25 | $17.9M | $6.6M | ||
| Q4 24 | $57.9M | $22.2M | ||
| Q3 24 | $21.7M | $10.2M | ||
| Q2 24 | $7.1M | $18.5M | ||
| Q1 24 | $6.1M | $7.2M |
| Q4 25 | $73.1M | $12.8M | ||
| Q3 25 | $25.3M | $19.5M | ||
| Q2 25 | $8.7M | $81.0K | ||
| Q1 25 | $17.0M | $-7.6M | ||
| Q4 24 | $55.6M | $8.5M | ||
| Q3 24 | $21.0M | $-9.2M | ||
| Q2 24 | $6.6M | $1.8M | ||
| Q1 24 | $5.6M | $-6.8M |
| Q4 25 | 129.5% | 13.8% | ||
| Q3 25 | 45.4% | 28.8% | ||
| Q2 25 | 16.6% | 0.1% | ||
| Q1 25 | 33.7% | -14.5% | ||
| Q4 24 | 132.1% | 11.2% | ||
| Q3 24 | 51.6% | -15.9% | ||
| Q2 24 | 18.1% | 3.4% | ||
| Q1 24 | 15.5% | -13.3% |
| Q4 25 | 5.0% | 2.4% | ||
| Q3 25 | 1.2% | 3.9% | ||
| Q2 25 | 1.1% | 12.9% | ||
| Q1 25 | 1.7% | 27.0% | ||
| Q4 24 | 5.6% | 18.3% | ||
| Q3 24 | 1.7% | 33.5% | ||
| Q2 24 | 1.4% | 31.8% | ||
| Q1 24 | 1.5% | 27.3% |
| Q4 25 | 5.14× | 0.65× | ||
| Q3 25 | 2.38× | 4.35× | ||
| Q2 25 | 0.82× | — | ||
| Q1 25 | 4.60× | — | ||
| Q4 24 | 10.65× | 1.12× | ||
| 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.
VCEL
| MACI Implants And Kits | $84.1M | 90% |
| Other | $8.8M | 10% |
