Kingstone Companies Inc (KINS)vsRoyal Bank of Canada (RY)
KINS
Kingstone Companies Inc
$19.22
-0.16%
FINANCIAL SERVICES · Cap: $292.71M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 28150% more annual revenue ($67.15B vs $237.70M). RY leads profitability with a 33.9% profit margin vs 14.8%. RY appears more attractively valued with a PEG of 2.35. KINS earns a higher WallStSmart Score of 70/100 (B-).
KINS
Strong Buy70
out of 100
Grade: B-
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Every $100 of equity generates 27 in profit
Reasonable price relative to book value
Strong operational efficiency at 29.7%
Revenue surging 25.9% year-over-year
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : KINS
The strongest argument for KINS centers on P/E Ratio, Debt/Equity, Return on Equity. Revenue growth of 25.9% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
KINS profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.92 — expect wider price swings.
KINS is growing revenue faster at 25.9% — sustainability is the question.
KINS generates stronger free cash flow (28M), providing more financial flexibility.
Bottom Line
KINS scores higher overall (70/100 vs 63/100) and 25.9% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Kingstone Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company is headquartered in Kingston, New York.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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