vs
KINGSTONE COMPANIES, INC.（KINS）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
KINGSTONE COMPANIES, INC.的季度营收约是STEM, INC.的1.2倍（$56.4M vs $47.1M），KINGSTONE COMPANIES, INC.净利率更高（26.2% vs -33.9%，领先60.1%），KINGSTONE COMPANIES, INC.同比增速更快（34.0% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% vs 25.6%）
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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
KINS vs STEM — 直观对比
营收规模更大
KINS
是对方的1.2倍
$47.1M
营收增速更快
KINS
高出49.6%
-15.6%
净利率更高
KINS
高出60.1%
-33.9%
两年增速更快
STEM
近两年复合增速
25.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $56.4M | $47.1M |
| 净利润 | $14.8M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 32.7% | -17.7% |
| 净利率 | 26.2% | -33.9% |
| 营收同比 | 34.0% | -15.6% |
| 净利润同比 | 171.4% | 68.8% |
| 每股收益（稀释后） | $1.09 | $-4.40 |
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
营收KINSSTEM
| 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 |
净利润KINSSTEM
| 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 |
毛利率KINSSTEM
| 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% |
营业利润率KINSSTEM
| 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% |
净利率KINSSTEM
| 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% |
每股收益（稀释后）KINSSTEM
| 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 |
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 | — | $48.9M |
| 总债务越低越好 | $4.4M | — |
| 股东权益账面价值 | $122.7M | $-249.4M |
| 总资产 | $453.4M | $308.9M |
| 负债/权益比越低杠杆越低 | 0.04× | — |
8季度趋势，按日历期对齐
现金及短期投资KINSSTEM
| 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 |
总债务KINSSTEM
| 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 | — |
股东权益KINSSTEM
| 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 |
总资产KINSSTEM
| 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 |
负债/权益比KINSSTEM
| 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× | — |
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 | $8.2M |
| 自由现金流经营现金流 - 资本支出 | $73.1M | — |
| 自由现金流率自由现金流/营收 | 129.5% | — |
| 资本支出强度资本支出/营收 | 5.0% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流KINSSTEM
| 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 |
自由现金流KINSSTEM
| 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 | — |
自由现金流率KINSSTEM
| 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% | — |
资本支出强度KINSSTEM
| 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% | — |
现金转化率KINSSTEM
| 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× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
