Kingstone Companies, Inc (KINS) vs Presurance Holdings, Inc. (PRHI)

Kingstone Companies, Inc and Presurance Holdings, Inc. are both Insurance Property & Casualty companies. Kingstone Companies, Inc is the larger, with a market value of $274.5M against $25.6M — 10.7× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Kingstone Companies, Inc trades at 6.9×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 24.5% against −49.0%. Kingstone Companies, Inc has the higher net margin (16.8% vs −49.6%) and the higher return on invested capital (27.8% vs −36.1%). Across the 18 metrics below, Kingstone Companies, Inc leads on 15 and Presurance Holdings, Inc. on 3.

Valuation

Metric KINS PRHI Insurance Property & Casualty median
P/E 6.93 n/m 11.90
P/S 1.17 0.82 1.24
P/B 2.14 0.95 1.86
Price to free cash flow 3.71 n/m 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 14.43% (145.52%) 8.14%
Free cash flow yield 26.97% (174.77%) 11.91%

Profitability

Metric KINS PRHI Insurance Property & Casualty median
Gross margin 100.00% (8.27%) 39.44%
Operating margin 21.28% (35.38%) 14.71%
Net margin 16.83% (49.57%) 10.47%
Free cash flow margin 32.89% (143.99%) 18.60%
Return on equity 34.38% (56.67%) 16.87%
Return on assets 9.16% (6.27%) 3.49%
Return on invested capital 27.80% (36.11%) 11.84%

Growth

Metric KINS PRHI Insurance Property & Casualty median
Revenue growth (TTM) 24.46% (49.03%) 5.51%
EPS growth (last fiscal year) 94.59% (178.24%) 39.61%
Revenue growth, 5-year CAGR 10.34% (15.99%) 9.23%
Net income growth, 5-year CAGR 111.10% 0.00% 10.09%

Health

Metric KINS PRHI Insurance Property & Casualty median
Debt to equity 0.03 0.44 0.25
Current ratio 0.34 0.51 0.49
Net debt to EBITDA (0.14) 0.98 0.08

Dividend

Metric KINS PRHI Insurance Property & Casualty median
Dividend yield 1.04% — 1.59%
Payout ratio 0.07 — 0.15

Size

Metric KINS PRHI Insurance Property & Casualty median
Market cap 274.47m 25.59m 2.62b

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