KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:KNSL - US49714P1084 - Common Stock
391.89 USD
-3.74 (-0.95%)
KNSL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. KNSL has an excellent profitability rating, but there are concerns on its financial health. KNSL shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
KNSL had positive earnings in the past year.
In the past year KNSL had a positive cash flow from operations.
In the past 5 years KNSL has always been profitable.
In the past 5 years KNSL always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 8.13%, KNSL belongs to the top of the industry, outperforming 94.59% of the companies in the same industry.
The Return On Equity of KNSL (25.42%) is better than 91.89% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.64%, KNSL belongs to the top of the industry, outperforming 89.19% of the companies in the same industry.
KNSL had an Average Return On Invested Capital over the past 3 years of 7.61%. This is significantly below the industry average of 14.88%.
The 3 year average ROIC (7.61%) for KNSL is below the current ROIC(7.64%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.13% | ||
| ROE | 25.42% | ||
| ROIC | 7.64% |
ROA(3y)7.48%
ROA(5y)7.14%
ROE(3y)25.89%
ROE(5y)22.97%
ROIC(3y)7.61%
ROIC(5y)6.78%
1.3 Margins
KNSL has a better Profit Margin (27.18%) than 97.97% 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 93.92% of the companies in the same industry.
In the last couple of years the Operating Margin of KNSL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 31.51% | ||
| PM (TTM) | 27.18% | ||
| GM | N/A |
OM growth 3Y5.55%
OM growth 5Y8.21%
PM growth 3Y3.58%
PM growth 5Y5.22%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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 more shares outstanding
Compared to 5 years ago, KNSL has more shares outstanding
The debt/assets ratio for KNSL has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of KNSL is 0.21, which is an excellent value as it means it would take KNSL, only 0.21 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.21, KNSL belongs to the top of the industry, outperforming 91.22% 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 76.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | N/A |
ROIC/WACC0.88
WACC8.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.58% over the past year.
KNSL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 46.15% yearly.
Looking at the last year, KNSL shows a quite strong growth in Revenue. The Revenue has grown by 18.57% in the last year.
KNSL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.41% yearly.
EPS 1Y (TTM)19.58%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%24.05%
Revenue 1Y (TTM)18.57%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%19%
3.2 Future
Based on estimates for the next years, KNSL will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.78% on average per year.
The Revenue is expected to grow by 10.55% on average over the next years. This is quite good.
EPS Next Y19.91%
EPS Next 2Y14.25%
EPS Next 3Y12.78%
EPS Next 5YN/A
Revenue Next Year16.3%
Revenue Next 2Y12.12%
Revenue Next 3Y10.55%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 21.39, KNSL is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of KNSL indicates a slightly more expensive valuation: KNSL is more expensive than 69.59% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.77, KNSL is valued a bit cheaper.
A Price/Forward Earnings ratio of 18.68 indicates a rather expensive valuation of KNSL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KNSL indicates a slightly more expensive valuation: KNSL is more expensive than 67.57% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of KNSL to the average of the S&P500 Index (23.35), we can say KNSL is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.39 | ||
| Fwd PE | 18.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, KNSL is valued a bit more expensive than the industry average as 64.19% of the companies are valued more cheaply.
KNSL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.48 | ||
| EV/EBITDA | 16.62 |
4.3 Compensation for Growth
KNSL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
KNSL has an outstanding profitability rating, which may justify a higher PE ratio.
KNSL's earnings are expected to grow with 12.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.07
PEG (5Y)0.46
EPS Next 2Y14.25%
EPS Next 3Y12.78%
5. Dividend
5.1 Amount
With a yearly dividend of 0.17%, KNSL is not a good candidate for dividend investing.
KNSL's Dividend Yield is slightly below the industry average, which is at 2.42.
With a Dividend Yield of 0.17, KNSL pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.17% |
5.2 History
On average, the dividend of KNSL grows each year by 13.48%, which is quite nice.
KNSL has paid a dividend for at least 10 years, which is a reliable track record.
As KNSL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)13.48%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
3.24% of the earnings are spent on dividend by KNSL. This is a low number and sustainable payout ratio.
The dividend of KNSL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP3.24%
EPS Next 2Y14.25%
EPS Next 3Y12.78%
NYSE:KNSL (12/31/2025, 11:23:41 AM)
391.89
-3.74 (-0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners87.8%
Inst Owner Change-1.66%
Ins Owners5.3%
Ins Owner Change-0.06%
Market Cap9.12B
Revenue(TTM)1.74B
Net Income(TTM)474.09M
Analysts71.58
Price Target467.16 (19.21%)
Short Float %7.81%
Short Ratio6.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.17% |
Yearly Dividend0.6
Dividend Growth(5Y)13.48%
DP3.24%
Div Incr Years8
Div Non Decr Years8
Ex-Date
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)-2.28%
PT rev (3m)-9.13%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)-0.05%
EPS NY rev (1m)0.56%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)2.49%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.39 | ||
| Fwd PE | 18.68 | ||
| P/S | 5.23 | ||
| P/FCF | 9.48 | ||
| P/OCF | 8.98 | ||
| P/B | 4.89 | ||
| P/tB | 4.9 | ||
| EV/EBITDA | 16.62 |
EPS(TTM)18.32
EY4.67%
EPS(NY)20.98
Fwd EY5.35%
FCF(TTM)41.34
FCFY10.55%
OCF(TTM)43.65
OCFY11.14%
SpS74.98
BVpS80.19
TBVpS80.04
PEG (NY)1.07
PEG (5Y)0.46
Graham Number181.81
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.13% | ||
| ROE | 25.42% | ||
| ROCE | 9.5% | ||
| ROIC | 7.64% | ||
| ROICexc | 7.87% | ||
| ROICexgc | 8.62% | ||
| OM | 31.51% | ||
| PM (TTM) | 27.18% | ||
| GM | N/A | ||
| FCFM | 55.13% |
ROA(3y)7.48%
ROA(5y)7.14%
ROE(3y)25.89%
ROE(5y)22.97%
ROIC(3y)7.61%
ROIC(5y)6.78%
ROICexc(3y)7.91%
ROICexc(5y)7.09%
ROICexgc(3y)8.76%
ROICexgc(5y)7.83%
ROCE(3y)9.47%
ROCE(5y)8.43%
ROICexgc growth 3Y4.55%
ROICexgc growth 5Y9.08%
ROICexc growth 3Y4.66%
ROICexc growth 5Y9.3%
OM growth 3Y5.55%
OM growth 5Y8.21%
PM growth 3Y3.58%
PM growth 5Y5.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.21 | ||
| Debt/EBITDA | 0.36 | ||
| Cap/Depr | 928.46% | ||
| Cap/Sales | 3.09% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 182.83% | ||
| Profit Quality | 202.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.68%
ROIC/WACC0.88
Cap/Depr(3y)289.36%
Cap/Depr(5y)642.64%
Cap/Sales(3y)0.97%
Cap/Sales(5y)2.25%
Profit Quality(3y)284.25%
Profit Quality(5y)278.99%
High Growth Momentum
Growth
EPS 1Y (TTM)19.58%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%24.05%
EPS Next Y19.91%
EPS Next 2Y14.25%
EPS Next 3Y12.78%
EPS Next 5YN/A
Revenue 1Y (TTM)18.57%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%19%
Revenue Next Year16.3%
Revenue Next 2Y12.12%
Revenue Next 3Y10.55%
Revenue Next 5YN/A
EBIT growth 1Y19.25%
EBIT growth 3Y42.2%
EBIT growth 5Y49.77%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y29.62%
FCF growth 3Y33.41%
FCF growth 5Y43.1%
OCF growth 1Y35.48%
OCF growth 3Y33.86%
OCF growth 5Y40.49%
KINSALE CAPITAL GROUP INC / KNSL FAQ
What is the fundamental rating for KNSL stock?
ChartMill assigns a fundamental rating of 6 / 10 to KNSL.
Can you provide the valuation status for KINSALE CAPITAL GROUP INC?
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 8 / 10.
What is the valuation of KINSALE CAPITAL GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for KINSALE CAPITAL GROUP INC (KNSL) is 21.39 and the Price/Book (PB) ratio is 4.89.
How financially healthy is KINSALE CAPITAL GROUP INC?
The financial health rating of KINSALE CAPITAL GROUP INC (KNSL) is 3 / 10.