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.
- In the past year KNSL had a positive cash flow from operations.
- Each year in the past 5 years KNSL has been profitable.
- Each year in the past 5 years KNSL had a positive operating cash flow.
1.2 Ratios
- KNSL has a Return On Assets of 8.13%. This is amongst the best in the industry. KNSL outperforms 91.16% of its industry peers.
- KNSL's Return On Equity of 25.42% is amongst the best of the industry. KNSL outperforms 90.48% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 7.60%, KNSL belongs to the top of the industry, outperforming 84.35% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital 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
- Looking at the Profit Margin, with a value of 27.18%, KNSL belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
- In the last couple of years the Profit Margin of KNSL has grown nicely.
- KNSL has a better Operating Margin (31.51%) than 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.
- Compared to 1 year ago, KNSL has less 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
- 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.
- The Debt to FCF ratio of KNSL (0.21) is better than 89.80% 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's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. KNSL outperforms 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
- 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
- Looking at the last year, KNSL shows a quite strong growth in Revenue. The Revenue has grown by 17.61% in the last year.
- The Revenue has been growing by 32.59% on average over the past years. This is a very strong growth!
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.
- Based on estimates for the next years, KNSL will show a small growth in Revenue. The Revenue will grow by 6.76% on average per year.
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.
4. KNSL Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 17.51, the valuation of KNSL can be described as rather expensive.
- 73.47% of the companies in the same industry are cheaper than KNSL, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 25.35, KNSL is valued a bit cheaper.
- KNSL is valuated correctly with a Price/Forward Earnings ratio of 16.43.
- Based on the Price/Forward Earnings ratio, KNSL is valued a bit more expensive than 69.39% of the companies in the same industry.
- KNSL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.61, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.51 | ||
| Fwd PE | 16.43 |
4.2 Price Multiples
- 63.95% of the companies in the same industry are cheaper than KNSL, based on the Enterprise Value to EBITDA ratio.
- The rest of the industry has a similar Price/Free Cash Flow ratio as KNSL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.23 | ||
| EV/EBITDA | 14.09 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The decent profitability rating of KNSL 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.
- Compared to an average industry Dividend Yield of 2.50, KNSL is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.89, KNSL's dividend is way lower than the S&P500 average.
| 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 been paying a dividend for at least 10 years, so it has 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)13.62%
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.
- 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 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 | 14.09 |
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.