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KINGSTONE COMPANIES, INC.（KINS）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Repay Holdings Corp的季度营收约是KINGSTONE COMPANIES, INC.的1.4倍（$78.6M vs $56.4M），KINGSTONE COMPANIES, INC.净利率更高（26.2% vs -178.3%，领先204.5%），KINGSTONE COMPANIES, INC.同比增速更快（34.0% vs 0.4%），KINGSTONE COMPANIES, INC.自由现金流更多（$73.1M vs $23.2M），过去两年KINGSTONE COMPANIES, INC.的营收复合增速更高（25.6% vs -1.3%）
金斯顿公司总部位于纽约金斯顿，核心业务通过旗下金斯顿保险公司开展财产意外保险产品服务，同时旗下持纽约州牌照的保险保费融资公司Payments, Inc.，会与第三方持牌保费融资机构签订合作协议。在2010年专业保险代理人协会的企业绩效调查中，金斯顿保险公司在81家参评保险公司中排名第一。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
KINS vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $56.4M | $78.6M |
| 净利润 | $14.8M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 32.7% | -182.2% |
| 净利率 | 26.2% | -178.3% |
| 营收同比 | 34.0% | 0.4% |
| 净利润同比 | 171.4% | -3304.1% |
| 每股收益（稀释后） | $1.09 | $-1.68 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
| Q4 25 | $56.4M | $78.6M | ||
| Q3 25 | $55.7M | $77.7M | ||
| Q2 25 | $52.3M | $75.6M | ||
| Q1 25 | $50.5M | $77.3M | ||
| Q4 24 | $42.1M | $78.3M | ||
| Q3 24 | $40.8M | $79.1M | ||
| Q2 24 | $36.5M | $74.9M | ||
| Q1 24 | $35.8M | $80.7M |
| Q4 25 | $14.8M | $-140.1M | ||
| Q3 25 | $10.9M | $-6.4M | ||
| Q2 25 | $11.3M | $-102.3M | ||
| Q1 25 | $3.9M | $-7.9M | ||
| Q4 24 | $5.4M | $-4.1M | ||
| Q3 24 | $7.0M | $3.2M | ||
| Q2 24 | $4.5M | $-4.1M | ||
| Q1 24 | $1.4M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 32.7% | -182.2% | ||
| Q3 25 | 24.6% | -3.9% | ||
| Q2 25 | 27.1% | -138.7% | ||
| Q1 25 | 9.3% | -4.7% | ||
| Q4 24 | 15.9% | -1.5% | ||
| Q3 24 | 22.3% | -0.9% | ||
| Q2 24 | 15.7% | -4.6% | ||
| Q1 24 | 5.0% | -3.1% |
| Q4 25 | 26.2% | -178.3% | ||
| Q3 25 | 19.5% | -8.3% | ||
| Q2 25 | 21.5% | -135.2% | ||
| Q1 25 | 7.7% | -10.3% | ||
| Q4 24 | 12.9% | -5.3% | ||
| Q3 24 | 17.1% | 4.1% | ||
| Q2 24 | 12.4% | -5.4% | ||
| Q1 24 | 4.0% | -6.5% |
| Q4 25 | $1.09 | $-1.68 | ||
| Q3 25 | $0.74 | $-0.08 | ||
| Q2 25 | $0.78 | $-1.15 | ||
| Q1 25 | $0.27 | $-0.09 | ||
| Q4 24 | $0.44 | $-0.04 | ||
| Q3 24 | $0.55 | $0.03 | ||
| Q2 24 | $0.37 | $-0.04 | ||
| Q1 24 | $0.12 | $-0.06 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $115.7M |
| 总债务越低越好 | $4.4M | $280.1M |
| 股东权益账面价值 | $122.7M | $484.4M |
| 总资产 | $453.4M | $1.2B |
| 负债/权益比越低杠杆越低 | 0.04× | 0.58× |
8季度趋势，按日历期对齐
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | $4.4M | $280.1M | ||
| Q3 25 | $4.8M | $279.5M | ||
| Q2 25 | $5.1M | $279.0M | ||
| Q1 25 | $5.4M | $497.6M | ||
| Q4 24 | $11.2M | $496.8M | ||
| Q3 24 | $17.3M | $496.2M | ||
| Q2 24 | $25.3M | $435.6M | ||
| Q1 24 | $25.3M | $434.9M |
| Q4 25 | $122.7M | $484.4M | ||
| Q3 25 | $107.7M | $616.9M | ||
| Q2 25 | $94.9M | $633.7M | ||
| Q1 25 | $82.2M | $755.7M | ||
| Q4 24 | $66.7M | $761.3M | ||
| Q3 24 | $59.7M | $754.7M | ||
| Q2 24 | $40.8M | $815.4M | ||
| Q1 24 | $35.7M | $813.8M |
| Q4 25 | $453.4M | $1.2B | ||
| Q3 25 | $428.6M | $1.3B | ||
| Q2 25 | $393.4M | $1.4B | ||
| Q1 25 | $385.4M | $1.5B | ||
| Q4 24 | $374.9M | $1.6B | ||
| Q3 24 | $347.0M | $1.6B | ||
| Q2 24 | $319.8M | $1.5B | ||
| Q1 24 | $318.3M | $1.5B |
| Q4 25 | 0.04× | 0.58× | ||
| Q3 25 | 0.04× | 0.45× | ||
| Q2 25 | 0.05× | 0.44× | ||
| Q1 25 | 0.07× | 0.66× | ||
| Q4 24 | 0.17× | 0.65× | ||
| Q3 24 | 0.29× | 0.66× | ||
| Q2 24 | 0.62× | 0.53× | ||
| Q1 24 | 0.71× | 0.53× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $75.9M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $73.1M | $23.2M |
| 自由现金流率自由现金流/营收 | 129.5% | 29.6% |
| 资本支出强度资本支出/营收 | 5.0% | 0.1% |
| 现金转化率经营现金流/净利润 | 5.14× | — |
| 过去12个月自由现金流最近4个季度 | $124.0M | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | $75.9M | $23.3M | ||
| Q3 25 | $25.9M | $32.2M | ||
| Q2 25 | $9.3M | $33.1M | ||
| Q1 25 | $17.9M | $2.5M | ||
| Q4 24 | $57.9M | $34.3M | ||
| Q3 24 | $21.7M | $60.1M | ||
| Q2 24 | $7.1M | $31.0M | ||
| Q1 24 | $6.1M | $24.8M |
| Q4 25 | $73.1M | $23.2M | ||
| Q3 25 | $25.3M | $32.1M | ||
| Q2 25 | $8.7M | $33.0M | ||
| Q1 25 | $17.0M | $2.4M | ||
| Q4 24 | $55.6M | $34.0M | ||
| Q3 24 | $21.0M | $59.8M | ||
| Q2 24 | $6.6M | $30.5M | ||
| Q1 24 | $5.6M | $24.7M |
| Q4 25 | 129.5% | 29.6% | ||
| Q3 25 | 45.4% | 41.3% | ||
| Q2 25 | 16.6% | 43.6% | ||
| Q1 25 | 33.7% | 3.0% | ||
| Q4 24 | 132.1% | 43.5% | ||
| Q3 24 | 51.6% | 75.6% | ||
| Q2 24 | 18.1% | 40.7% | ||
| Q1 24 | 15.5% | 30.6% |
| Q4 25 | 5.0% | 0.1% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 1.1% | 0.1% | ||
| Q1 25 | 1.7% | 0.2% | ||
| Q4 24 | 5.6% | 0.3% | ||
| Q3 24 | 1.7% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| 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× | 18.52× | ||
| Q2 24 | 1.58× | — | ||
| Q1 24 | 4.27× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
KINS
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
