OPRT vs KINS

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

Both OPRT and KINS are from the Financial Services sector.

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

OPRT vs KINS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

OPRT

$235M

Winner

KINS

$235M

Max Drawdown

Winner

OPRT

92.32%

KINS

99.52%

Sharpe Ratio

OPRT

-0.27

Winner

KINS

0.40

5Y Beta

OPRT

1.52

Winner

KINS

0.96

Industry

OPRT

Credit Services

KINS

Insurance - Property & Casualty

P/E Ratio

OPRT

12.83

Winner

KINS

7.42

Forward P/E

Winner

OPRT

4.43

KINS

7.47

PEG Ratio

OPRT

N/A

KINS

0.24

Dividend Yield

OPRT

N/A

KINS

0.94%

5Y Dividends CAGR

OPRT

N/A

KINS

4.56%

5Y EPS CAGR

OPRT

N/A

KINS

30.71%

Debt to Equity

Winner

OPRT

0.00%

KINS

3.60%

Free Cash Flow Yield

OPRT

N/A

KINS

27.17%

OPRT vs KINS - Historical Returns

Returns include dividend reinvestment.

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

OPRT

-1.15%

Winner

KINS

+7.19%

Winner

OPRT

+24.94%

KINS

+8.72%

OPRT

-5.32%

Winner

KINS

-2.69%

OPRT

-26.29%

Winner

KINS

+11.62%

5Y(CAGR)

OPRT

-24.59%

Winner

KINS

+15.64%

10Y(CAGR)

OPRT

N/A

KINS

+8.40%

Max(CAGR)

OPRT

-15.62%

Winner

KINS

+5.94%

OPRT vs KINS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

OPRT vs KINS Drawdown Comparison

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

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

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

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