KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis

NYSE:KNSL • US49714P1084

382.46 USD
+9.3 (+2.49%)
At close: Feb 26, 2026
387.168 USD
+4.71 (+1.23%)
After Hours: 2/26/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, KNSL scores 5 out of 10 in our fundamental rating. KNSL was compared to 150 industry peers in the Insurance industry. While KNSL has a great profitability rating, there are some minor concerns on its financial health. KNSL shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • KNSL had positive earnings in the past year.
  • KNSL had a positive operating cash flow in the past year.
  • KNSL had positive earnings in each of the past 5 years.
  • KNSL had a positive operating cash flow in 4 of the past 5 years.
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

1.2 Ratios

  • The Return On Assets of KNSL (8.13%) is better than 94.67% of its industry peers.
  • With an excellent Return On Equity value of 25.42%, KNSL belongs to the best of the industry, outperforming 92.67% of the companies in the same industry.
  • KNSL has a Return On Invested Capital of 7.60%. This is amongst the best in the industry. KNSL outperforms 89.33% of its industry peers.
  • KNSL had an Average Return On Invested Capital over the past 3 years of 7.95%. This is significantly below the industry average of 15.13%.
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

  • With an excellent Profit Margin value of 27.18%, KNSL belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of KNSL has grown nicely.
  • KNSL has a Operating Margin of 31.51%. This is amongst the best in the industry. KNSL outperforms 94.00% of its industry peers.
  • KNSL's Operating Margin has improved in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • The number of shares outstanding for KNSL remains at a similar level compared to 1 year ago.
  • KNSL has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for KNSL has been reduced compared to a year ago.
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

  • 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.
  • KNSL has a Debt to FCF ratio of 0.21. This is amongst the best in the industry. KNSL outperforms 91.33% of its industry peers.
  • KNSL has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • KNSL has a Debt to Equity ratio of 0.11. This is in the better half of the industry: KNSL outperforms 77.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACC0.88
WACC8.61%
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

7

3. Growth

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.
  • The Earnings Per Share has been growing by 43.92% on average over the past years. This is a very strong growth
  • The Revenue has grown by 17.61% in the past year. This is quite good.
  • 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

  • KNSL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
  • Based on estimates for the next years, KNSL will show a quite strong growth in Revenue. The Revenue will grow by 8.76% on average per year.
EPS Next Y7.61%
EPS Next 2Y9.52%
EPS Next 3Y6.34%
EPS Next 5YN/A
Revenue Next Year5.85%
Revenue Next 2Y7.55%
Revenue Next 3Y8.76%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.60, the valuation of KNSL can be described as rather expensive.
  • Based on the Price/Earnings ratio, KNSL is valued a bit more expensive than 69.33% of the companies in the same industry.
  • KNSL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 18.22, KNSL is valued on the expensive side.
  • 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 67.33% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.13. KNSL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.6
Fwd PE 18.22
KNSL Price Earnings VS Forward Price EarningsKNSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 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 9.25
EV/EBITDA N/A
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)2.58
PEG (5Y)0.45
EPS Next 2Y9.52%
EPS Next 3Y6.34%

More info and screens

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

4

5. Dividend

5.1 Amount

  • KNSL has a yearly dividend return of 0.27%, which is pretty low.
  • KNSL's Dividend Yield is slightly below the industry average, which is at 2.63.
  • Compared to an average S&P500 Dividend Yield of 1.80, KNSL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.27%

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.
  • KNSL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.48%
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 2Y9.52%
EPS Next 3Y6.34%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

KINSALE CAPITAL GROUP INC

NYSE:KNSL (2/26/2026, 8:04:00 PM)

After market: 387.168 +4.71 (+1.23%)

382.46

+9.3 (+2.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-22
Inst Owners87.8%
Inst Owner Change4.49%
Ins Owners5.29%
Ins Owner Change0.62%
Market Cap8.90B
Revenue(TTM)1.81B
Net Income(TTM)474.09M
Analysts72.63
Price Target466.96 (22.09%)
Short Float %7.43%
Short Ratio6.66
Dividend
Industry RankSector Rank
Dividend Yield 0.27%
Yearly Dividend0.6
Dividend Growth(5Y)13.48%
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)-0.38%
PT rev (3m)-2.32%
EPS NQ rev (1m)-0.59%
EPS NQ rev (3m)0.54%
EPS NY rev (1m)0%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)-1.42%
Revenue NY rev (3m)-1.81%
Valuation
Industry RankSector Rank
PE 19.6
Fwd PE 18.22
P/S 5.1
P/FCF 9.25
P/OCF 8.76
P/B 4.77
P/tB 4.78
EV/EBITDA N/A
EPS(TTM)19.51
EY5.1%
EPS(NY)20.99
Fwd EY5.49%
FCF(TTM)41.34
FCFY10.81%
OCF(TTM)43.65
OCFY11.41%
SpS74.98
BVpS80.19
TBVpS80.04
PEG (NY)2.58
PEG (5Y)0.45
Graham Number187.62
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)9.03%
ROICexgc(5y)8.57%
ROCE(3y)9.94%
ROCE(5y)9.3%
ROICexgc growth 3Y3.77%
ROICexgc growth 5Y12.2%
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 N/A
Cap/Depr N/A
Cap/Sales 3.09%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 202.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.61%
ROIC/WACC0.88
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.41%
EPS 3Y35.8%
EPS 5Y43.92%
EPS Q2Q%25.76%
EPS Next Y7.61%
EPS Next 2Y9.52%
EPS Next 3Y6.34%
EPS Next 5YN/A
Revenue 1Y (TTM)17.61%
Revenue growth 3Y27.91%
Revenue growth 5Y32.59%
Sales Q2Q%17.26%
Revenue Next Year5.85%
Revenue Next 2Y7.55%
Revenue Next 3Y8.76%
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 3YN/A
FCF growth 5YN/A
OCF growth 1Y4.15%
OCF growth 3YN/A
OCF growth 5YN/A

KINSALE CAPITAL GROUP INC / KNSL 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 2 / 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 7.61% 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%.