KINSALE CAPITAL GROUP INC (KNSL) Fundamental Analysis & Valuation
NYSE:KNSL • US49714P1084
Current stock price
341.66 USD
+4.97 (+1.48%)
At close:
343.97 USD
+2.31 (+0.68%)
After Hours:
This KNSL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. KNSL Profitability Analysis
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.
- Each year in the past 5 years KNSL had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 8.13%, KNSL belongs to the top of the industry, outperforming 91.16% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 25.42%, KNSL belongs to the top of the industry, outperforming 90.48% 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 84.35% 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 9.36%.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of KNSL (27.18%) is better than 93.88% of its industry peers.
- KNSL's Profit Margin has improved in the last couple of years.
- KNSL's Operating Margin of 31.51% is amongst the best of the industry. KNSL outperforms 92.52% of its industry peers.
- KNSL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. KNSL Health Analysis
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so KNSL is destroying value.
- The number of shares outstanding for KNSL has been reduced compared to 1 year ago.
- KNSL has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, KNSL has an improved debt to assets ratio.
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 89.80% of the companies in the same industry.
- A Debt/Equity ratio of 0.11 indicates that KNSL is not too dependend on debt financing.
- The Debt to Equity ratio of KNSL (0.11) is better than 78.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | N/A |
ROIC/WACC0.86
WACC8.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. KNSL Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 21.41% over the past year.
- KNSL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.92% yearly.
- The Revenue has grown by 17.61% in the past year. This is quite good.
- KNSL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 32.59% yearly.
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 7.52% yearly.
- KNSL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.76% yearly.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. KNSL Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 17.51, KNSL is valued on the expensive side.
- Based on the Price/Earnings ratio, KNSL is valued a bit more expensive than the industry average as 73.47% of the companies are valued more cheaply.
- KNSL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.35.
- With a Price/Forward Earnings ratio of 16.43, KNSL is valued correctly.
- 69.39% of the companies in the same industry are cheaper than KNSL, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 22.61, KNSL is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.51 | ||
| Fwd PE | 16.43 |
4.2 Price Multiples
- 64.63% of the companies in the same industry are cheaper than KNSL, based on the Enterprise Value to EBITDA ratio.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.23 | ||
| EV/EBITDA | 14.29 |
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)2.66
PEG (5Y)0.4
EPS Next 2Y7.91%
EPS Next 3Y7.52%
5. KNSL Dividend Analysis
5.1 Amount
- With a yearly dividend of 0.30%, KNSL is not a good candidate for dividend investing.
- KNSL's Dividend Yield is slightly below the industry average, which is at 2.50.
- With a Dividend Yield of 0.30, KNSL pays less dividend than the S&P500 average, which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.3% |
5.2 History
- The dividend of KNSL is nicely growing with an annual growth rate of 13.62%!
- 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)13.62%
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 2Y7.91%
EPS Next 3Y7.52%
KNSL Fundamentals: All Metrics, Ratios and Statistics
341.66
+4.97 (+1.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12 2026-02-12/amc
Earnings (Next)04-23 2026-04-23/amc
Inst Owners91.66%
Inst Owner Change4.51%
Ins Owners5.23%
Ins Owner Change1.77%
Market Cap7.91B
Revenue(TTM)1.81B
Net Income(TTM)474.09M
Analysts71.58
Price Target407.24 (19.19%)
Short Float %9.98%
Short Ratio8.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.3% |
Yearly Dividend0.68
Dividend Growth(5Y)13.62%
DP3.24%
Div Incr Years8
Div Non Decr Years8
Ex-Date02-26 2026-02-26 (0.25)
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)-5.99%
PT rev (3m)-12.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.79%
EPS NY rev (1m)-0.96%
EPS NY rev (3m)-0.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.5%
Revenue NY rev (1m)-1.15%
Revenue NY rev (3m)-2.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.51 | ||
| Fwd PE | 16.43 | ||
| P/S | 4.54 | ||
| P/FCF | 8.23 | ||
| P/OCF | 7.79 | ||
| P/B | 4.24 | ||
| P/tB | 4.25 | ||
| EV/EBITDA | 14.29 |
EPS(TTM)19.51
EY5.71%
EPS(NY)20.79
Fwd EY6.09%
FCF(TTM)41.53
FCFY12.16%
OCF(TTM)43.86
OCFY12.84%
SpS75.33
BVpS80.57
TBVpS80.42
PEG (NY)2.66
PEG (5Y)0.4
Graham Number188.07
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.87%
ROIC/WACC0.86
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 2 / 10 to KINSALE CAPITAL GROUP INC (KNSL). This can be considered as Overvalued.
How profitable is KINSALE CAPITAL GROUP INC (KNSL) stock?
KINSALE CAPITAL GROUP INC (KNSL) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for KNSL stock?
The Price/Earnings (PE) ratio for KINSALE CAPITAL GROUP INC (KNSL) is 17.51 and the Price/Book (PB) ratio is 4.24.
What is the financial health of KINSALE CAPITAL GROUP INC (KNSL) stock?
The financial health rating of KINSALE CAPITAL GROUP INC (KNSL) is 4 / 10.