KINSALE CAPITAL GROUP INC (KNSL) Fundamental Analysis & Valuation

NYSE:KNSL • US49714P1084

Current stock price

326.41 USD
-1.64 (-0.5%)
Last:

This KNSL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. KNSL Profitability Analysis

1.1 Basic Checks

  • In the past year KNSL was profitable.
  • In the past year KNSL had a positive cash flow from operations.
  • KNSL had positive earnings in each of the past 5 years.
  • Each year in the past 5 years KNSL had a positive operating cash flow.
KNSL Yearly Net Income VS EBIT VS OCF VS FCFKNSL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • KNSL has a better Return On Assets (8.13%) than 91.89% of its industry peers.
  • KNSL has a Return On Equity of 25.42%. This is amongst the best in the industry. KNSL outperforms 90.54% of its industry peers.
  • KNSL has a Return On Invested Capital of 7.60%. This is amongst the best in the industry. KNSL outperforms 85.14% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for KNSL is in line with the industry average of 9.34%.
Industry RankSector Rank
ROA 8.13%
ROE 25.42%
ROIC 7.6%
ROA(3y)8.33%
ROA(5y)7.66%
ROE(3y)27.34%
ROE(5y)25.04%
ROIC(3y)7.95%
ROIC(5y)7.44%
KNSL Yearly ROA, ROE, ROICKNSL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • The Profit Margin of KNSL (27.18%) is better than 93.92% of its industry peers.
  • In the last couple of years the Profit Margin of KNSL has grown nicely.
  • With an excellent Operating Margin value of 31.51%, KNSL belongs to the best of the industry, outperforming 93.24% of the companies in the same industry.
  • In the last couple of years the Operating Margin of KNSL has grown nicely.
Industry RankSector Rank
OM 31.51%
PM (TTM) 27.18%
GM N/A
OM growth 3Y7.15%
OM growth 5Y11.44%
PM growth 3Y14.79%
PM growth 5Y6.8%
GM growth 3YN/A
GM growth 5YN/A
KNSL Yearly Profit, Operating, Gross MarginsKNSL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. KNSL Health Analysis

2.1 Basic Checks

  • KNSL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, KNSL has less shares outstanding
  • The number of shares outstanding for KNSL has been increased compared to 5 years ago.
  • Compared to 1 year ago, KNSL has an improved debt to assets ratio.
KNSL Yearly Shares OutstandingKNSL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
KNSL Yearly Total Debt VS Total AssetsKNSL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • KNSL has a debt to FCF ratio of 0.21. This is a very positive value and a sign of high solvency as it would only need 0.21 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.21, KNSL belongs to the best of the industry, outperforming 89.86% of the companies in the same industry.
  • A Debt/Equity ratio of 0.11 indicates that KNSL is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, KNSL is in the better half of the industry, outperforming 78.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACC0.85
WACC8.9%
KNSL Yearly LT Debt VS Equity VS FCFKNSL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KNSL Yearly Current Assets VS Current LiabilitesKNSL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. KNSL Growth Analysis

3.1 Past

  • KNSL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.41%, which is quite impressive.
  • KNSL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.92% yearly.
  • Looking at the last year, KNSL shows a quite strong growth in Revenue. The Revenue has grown by 17.61% in the last year.
  • Measured over the past years, KNSL shows a very strong growth in Revenue. The Revenue has been growing by 32.59% on average per year.
EPS 1Y (TTM)21.41%
EPS 3Y35.8%
EPS 5Y43.92%
EPS Q2Q%25.76%
Revenue 1Y (TTM)17.61%
Revenue growth 3Y27.91%
Revenue growth 5Y32.59%
Sales Q2Q%17.26%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.52% on average over the next years.
  • The Revenue is expected to grow by 6.76% on average over the next years.
EPS Next Y6.57%
EPS Next 2Y7.91%
EPS Next 3Y7.52%
EPS Next 5YN/A
Revenue Next Year4.64%
Revenue Next 2Y6.34%
Revenue Next 3Y6.76%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
KNSL Yearly Revenue VS EstimatesKNSL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
KNSL Yearly EPS VS EstimatesKNSL Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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3

4. KNSL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.73, which indicates a correct valuation of KNSL.
  • Based on the Price/Earnings ratio, KNSL is valued a bit more expensive than the industry average as 71.62% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 25.54. KNSL is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 15.70 indicates a correct valuation of KNSL.
  • Based on the Price/Forward Earnings ratio, KNSL is valued a bit more expensive than the industry average as 67.57% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of KNSL to the average of the S&P500 Index (22.70), we can say KNSL is valued slightly cheaper.
Industry RankSector Rank
PE 16.73
Fwd PE 15.7
KNSL Price Earnings VS Forward Price EarningsKNSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • KNSL's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. KNSL is more expensive than 62.84% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of KNSL is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 7.86
EV/EBITDA 13.73
KNSL Per share dataKNSL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • KNSL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.54
PEG (5Y)0.38
EPS Next 2Y7.91%
EPS Next 3Y7.52%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. KNSL Dividend Analysis

5.1 Amount

  • KNSL has a yearly dividend return of 0.31%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.84, KNSL is paying slightly less dividend.
  • With a Dividend Yield of 0.31, KNSL pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.31%

5.2 History

  • The dividend of KNSL is nicely growing with an annual growth rate of 13.62%!
  • KNSL has been paying a dividend for at least 10 years, so it has a reliable track record.
  • KNSL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.62%
Div Incr Years8
Div Non Decr Years8
KNSL Yearly Dividends per shareKNSL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 3.24% of the earnings are spent on dividend by KNSL. This is a low number and sustainable payout ratio.
  • KNSL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP3.24%
EPS Next 2Y7.91%
EPS Next 3Y7.52%
KNSL Yearly Income VS Free CF VS DividendKNSL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
KNSL Dividend Payout.KNSL Dividend Payout, showing the Payout Ratio.KNSL Dividend Payout.PayoutRetained Earnings

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KNSL Fundamentals: All Metrics, Ratios and Statistics

KINSALE CAPITAL GROUP INC

NYSE:KNSL (3/24/2026, 9:51:41 AM)

326.41

-1.64 (-0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-22
Inst Owners91.66%
Inst Owner Change4.51%
Ins Owners5.23%
Ins Owner Change1.77%
Market Cap7.56B
Revenue(TTM)1.81B
Net Income(TTM)474.09M
Analysts71.58
Price Target433.16 (32.7%)
Short Float %10.96%
Short Ratio10.01
Dividend
Industry RankSector Rank
Dividend Yield 0.31%
Yearly Dividend0.68
Dividend Growth(5Y)13.62%
DP3.24%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-26
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.06%
Min EPS beat(2)5.92%
Max EPS beat(2)6.2%
EPS beat(4)4
Avg EPS beat(4)7.17%
Min EPS beat(4)4.33%
Max EPS beat(4)12.22%
EPS beat(8)8
Avg EPS beat(8)7.73%
EPS beat(12)12
Avg EPS beat(12)9.78%
EPS beat(16)16
Avg EPS beat(16)11.64%
Revenue beat(2)2
Avg Revenue beat(2)7.55%
Min Revenue beat(2)5.87%
Max Revenue beat(2)9.22%
Revenue beat(4)2
Avg Revenue beat(4)2.41%
Min Revenue beat(4)-3.04%
Max Revenue beat(4)9.22%
Revenue beat(8)6
Avg Revenue beat(8)2.49%
Revenue beat(12)7
Avg Revenue beat(12)1.29%
Revenue beat(16)11
Avg Revenue beat(16)2.3%
PT rev (1m)-7.24%
PT rev (3m)-8.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.82%
EPS NY rev (1m)-0.96%
EPS NY rev (3m)-0.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)-2.55%
Revenue NY rev (3m)-2.98%
Valuation
Industry RankSector Rank
PE 16.73
Fwd PE 15.7
P/S 4.33
P/FCF 7.86
P/OCF 7.44
P/B 4.05
P/tB 4.06
EV/EBITDA 13.73
EPS(TTM)19.51
EY5.98%
EPS(NY)20.79
Fwd EY6.37%
FCF(TTM)41.53
FCFY12.72%
OCF(TTM)43.86
OCFY13.44%
SpS75.33
BVpS80.57
TBVpS80.42
PEG (NY)2.54
PEG (5Y)0.38
Graham Number188.07
Profitability
Industry RankSector Rank
ROA 8.13%
ROE 25.42%
ROCE 9.5%
ROIC 7.6%
ROICexc 7.83%
ROICexgc 8.58%
OM 31.51%
PM (TTM) 27.18%
GM N/A
FCFM 55.13%
ROA(3y)8.33%
ROA(5y)7.66%
ROE(3y)27.34%
ROE(5y)25.04%
ROIC(3y)7.95%
ROIC(5y)7.44%
ROICexc(3y)8.19%
ROICexc(5y)7.75%
ROICexgc(3y)8.98%
ROICexgc(5y)8.54%
ROCE(3y)9.94%
ROCE(5y)9.3%
ROICexgc growth 3Y3.18%
ROICexgc growth 5Y11.82%
ROICexc growth 3Y4.26%
ROICexc growth 5Y12.02%
OM growth 3Y7.15%
OM growth 5Y11.44%
PM growth 3Y14.79%
PM growth 5Y6.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Debt/EBITDA 0.36
Cap/Depr 923.36%
Cap/Sales 3.09%
Interest Coverage 250
Cash Conversion 182.82%
Profit Quality 202.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.9%
ROIC/WACC0.85
Cap/Depr(3y)511.56%
Cap/Depr(5y)408.96%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.36%
Profit Quality(3y)234.37%
Profit Quality(5y)262.42%
High Growth Momentum
Growth
EPS 1Y (TTM)21.41%
EPS 3Y35.8%
EPS 5Y43.92%
EPS Q2Q%25.76%
EPS Next Y6.57%
EPS Next 2Y7.91%
EPS Next 3Y7.52%
EPS Next 5YN/A
Revenue 1Y (TTM)17.61%
Revenue growth 3Y27.91%
Revenue growth 5Y32.59%
Sales Q2Q%17.26%
Revenue Next Year4.64%
Revenue Next 2Y6.34%
Revenue Next 3Y6.76%
Revenue Next 5YN/A
EBIT growth 1Y19.25%
EBIT growth 3Y37.06%
EBIT growth 5Y47.76%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y0.09%
FCF growth 3Y21.58%
FCF growth 5Y32%
OCF growth 1Y4.15%
OCF growth 3Y23.23%
OCF growth 5Y30.11%

KINSALE CAPITAL GROUP INC / KNSL Fundamental Analysis FAQ

What is the fundamental rating for KNSL stock?

ChartMill assigns a fundamental rating of 5 / 10 to KNSL.


What is the valuation status of KINSALE CAPITAL GROUP INC (KNSL) stock?

ChartMill assigns a valuation rating of 3 / 10 to KINSALE CAPITAL GROUP INC (KNSL). This can be considered as Overvalued.


What is the profitability of KNSL stock?

KINSALE CAPITAL GROUP INC (KNSL) has a profitability rating of 7 / 10.


What is the earnings growth outlook for KINSALE CAPITAL GROUP INC?

The Earnings per Share (EPS) of KINSALE CAPITAL GROUP INC (KNSL) is expected to grow by 6.57% in the next year.


Can you provide the dividend sustainability for KNSL stock?

The dividend rating of KINSALE CAPITAL GROUP INC (KNSL) is 4 / 10 and the dividend payout ratio is 3.24%.