KINS vs OPRT

Comparison between Kingstone Cos. Inc (KINS, Company) and Oportun Financial Corp (OPRT, Company).

Both KINS and OPRT are from the Financial Services sector.

5-Year PerformanceKINS has outperformed OPRT, delivering a return of +15.6% compared to -24.6%

KINS vs OPRT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	KINS(COMPANY)	OPRT(COMPANY)
Market Cap	$235M	$235M
Max Drawdown	99.52%	92.32%
Sharpe Ratio	0.40	-0.27
5Y Beta	0.96	1.52
Industry	Insurance - Property & Casualty	Credit Services
P/E Ratio	7.42	12.83
Forward P/E	7.47	4.43
PEG Ratio	0.24	N/A
Dividend Yield	0.94%	N/A
5Y Dividends CAGR	4.56%	N/A
5Y EPS CAGR	30.71%	N/A
Debt to Equity	3.60%	0.00%
Free Cash Flow Yield	27.17%	N/A

Market Cap

Winner

KINS

$235M

OPRT

$235M

Max Drawdown

KINS

99.52%

Winner

OPRT

92.32%

Sharpe Ratio

Winner

KINS

0.40

OPRT

-0.27

5Y Beta

Winner

KINS

0.96

OPRT

1.52

Industry

KINS

Insurance - Property & Casualty

OPRT

Credit Services

P/E Ratio

Winner

KINS

7.42

OPRT

12.83

Forward P/E

KINS

7.47

Winner

OPRT

4.43

PEG Ratio

KINS

0.24

OPRT

N/A

Dividend Yield

KINS

0.94%

OPRT

N/A

5Y Dividends CAGR

KINS

4.56%

OPRT

N/A

5Y EPS CAGR

KINS

30.71%

OPRT

N/A

Debt to Equity

KINS

3.60%

Winner

OPRT

0.00%

Free Cash Flow Yield

KINS

27.17%

OPRT

N/A

KINS vs OPRT - Historical Returns

Returns include dividend reinvestment.

Period	KINS	OPRT
1 month	+7.19%	-1.15%
3 months	+8.72%	+24.94%
6 months	-2.69%	-5.32%
1 year	+11.62%	-26.29%
5 years(CAGR)	+15.64%	-24.59%
10 years(CAGR)	+8.40%	N/A
Max(CAGR)	+5.94%	-15.62%

Winner

KINS

+7.19%

OPRT

-1.15%

KINS

+8.72%

Winner

OPRT

+24.94%

Winner

KINS

-2.69%

OPRT

-5.32%

Winner

KINS

+11.62%

OPRT

-26.29%

5Y(CAGR)

Winner

KINS

+15.64%

OPRT

-24.59%

10Y(CAGR)

KINS

+8.40%

OPRT

N/A

Max(CAGR)

Winner

KINS

+5.94%

OPRT

-15.62%

KINS vs OPRT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	KINS	OPRT
2026	+0.61%	+1.98%
2025	+12.70%	+35.99%
2024	+655.72%	+0.52%
2023	+50.00%	-30.67%
2022	-74.17%	-73.30%
2021	-21.17%	+8.99%
2020	-13.59%	-18.03%
2019	-54.93%	+47.19%
2018	-6.05%	N/A
2017	+40.40%	N/A
2016	+61.15%	N/A
2015	+15.12%	N/A
2014	+16.85%	N/A
2013	+54.91%	N/A
2012	+48.19%	N/A
2011	-6.15%	N/A
2010	+33.08%	N/A
2009	+418.75%	N/A
2008	-72.41%	N/A
2007	-45.07%	N/A
2006	+5.88%	N/A
2005	-66.71%	N/A
2004	+63.16%	N/A
2003	+143.59%	N/A
2002	+21.87%	N/A
2001	+14.29%	N/A
2000	-70.21%	N/A
1999	-3.09%	N/A

KINS vs OPRT Drawdown Comparison

The maximum drawdown for KINS was -99.52%, occurring on Mar 18, 2009. Recovery took 2301 trading sessions.

The maximum drawdown for OPRT was -92.32%, occurring on Apr 17, 2024. This drawdown has not yet recovered.

The current KINS drawdown is -24.02%. The current OPRT drawdown is -81.40%.

Rank	KINS	OPRT
#1	-99.52% Nov 29, 2004 - Jan 21, 2014	-92.32% Nov 12, 2021 - Apr 17, 2024
#2	-96.20% Jan 23, 2018 - Apr 29, 2025	-78.67% Dec 26, 2019 - Aug 6, 2021
#3	-79.65% Dec 1, 1999 - Aug 5, 2003	-14.22% Oct 7, 2021 - Nov 8, 2021
#4	-38.85% May 9, 2025 - Sep 9, 2025	-11.32% Sep 27, 2019 - Oct 24, 2019
#5	-38.78% Mar 9, 2004 - Oct 6, 2004	-10.00% Nov 19, 2019 - Nov 29, 2019
#6	-29.57% Aug 5, 2003 - Jan 20, 2004	-9.16% Sep 3, 2021 - Oct 7, 2021
#7	-26.33% Nov 27, 2015 - Oct 10, 2016	-8.26% Nov 29, 2019 - Dec 18, 2019
#8	-24.91% Jan 21, 2014 - Sep 4, 2014	-7.12% Aug 11, 2021 - Aug 27, 2021
#9	-22.68% Nov 1, 1999 - Nov 16, 1999	-5.12% Oct 25, 2019 - Nov 7, 2019
#10	-22.50% Oct 6, 2004 - Nov 29, 2004	-4.20% Dec 19, 2019 - Dec 23, 2019
#11	-21.49% Jan 26, 2004 - Feb 19, 2004	-3.13% Nov 13, 2019 - Nov 19, 2019
#12	-19.80% Nov 18, 1999 - Nov 29, 1999	-2.45% Aug 6, 2021 - Aug 11, 2021
#13	-17.10% Nov 28, 2014 - Aug 19, 2015	-2.13% Aug 27, 2021 - Sep 1, 2021
#14	-15.51% Apr 29, 2025 - May 9, 2025	-0.48% Nov 10, 2021 - Nov 12, 2021
#15	-14.39% Jul 31, 2017 - Oct 2, 2017	-0.37% Nov 8, 2021 - Nov 10, 2021