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 $269.0M against $30.5M — 8.8× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Kingstone Companies, Inc trades at 7.5×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 28.0% against −49.0%. Kingstone Companies, Inc has the higher net margin (14.9% vs −49.6%) and the higher return on invested capital (24.0% 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 7.55 n/m 10.75
P/S 1.14 0.93 1.21
P/B 2.10 1.07 1.99
Price to free cash flow 3.26 n/m 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.25% (129.51%) 9.08%
Free cash flow yield 30.65% (155.55%) 12.11%

Profitability

Metric KINS PRHI Insurance Property & Casualty median
Gross margin 100.00% (8.27%) 41.16%
Operating margin 18.74% (35.38%) 15.09%
Net margin 14.85% (49.57%) 11.51%
Free cash flow margin 34.95% (143.99%) 17.46%
Return on equity 31.51% (56.67%) 17.34%
Return on assets 8.10% (6.27%) 3.74%
Return on invested capital 23.99% (36.11%) 12.06%

Growth

Metric KINS PRHI Insurance Property & Casualty median
Revenue growth (TTM) 28.03% (49.03%) 8.02%
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 0.42
Net debt to EBITDA (0.14) 0.98 0.08

Dividend

Metric KINS PRHI Insurance Property & Casualty median
Dividend yield 1.12% — 1.50%
Payout ratio 0.09 — 0.14

Size

Metric KINS PRHI Insurance Property & Casualty median
Market cap 268.97m 30.49m 2.67b

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