KINSALE CAPITAL GROUP INC (KNSL) Fundamental Analysis & Valuation

NYSE:KNSL • US49714P1084

Current stock price

327.29 USD
-7.99 (-2.38%)
At close:
327.29 USD
0 (0%)
After Hours:

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

  • 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.
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

  • With an excellent Return On Assets value of 8.13%, KNSL belongs to the best of the industry, outperforming 91.89% of the companies in the same industry.
  • KNSL's Return On Equity of 25.42% is amongst the best of 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

  • Looking at the Profit Margin, with a value of 27.18%, KNSL belongs to the top of the industry, outperforming 93.92% of the companies in the same industry.
  • 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 93.24% of its industry peers.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for KNSL has been reduced compared to 1 year ago.
  • The number of shares outstanding for KNSL has been increased compared to 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

  • 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.
  • KNSL's Debt to FCF ratio of 0.21 is amongst the best of the industry. KNSL outperforms 89.86% 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 78.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACC0.85
WACC8.95%
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

More info and screens

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

6

3. KNSL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.41% over the past year.
  • 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.
  • 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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

3

4. KNSL Valuation Analysis

4.1 Price/Earnings Ratio

  • KNSL is valuated correctly with a Price/Earnings ratio of 16.78.
  • Based on the Price/Earnings ratio, KNSL is valued a bit more expensive than 72.97% of the companies in the same industry.
  • KNSL is valuated rather cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 15.74, which indicates a correct valuation of KNSL.
  • Based on the Price/Forward Earnings ratio, KNSL is valued a bit more expensive than 68.92% of the companies in the same industry.
  • KNSL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 16.78
Fwd PE 15.74
KNSL Price Earnings VS Forward Price EarningsKNSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, KNSL is valued a bit more expensive than the industry average as 63.51% of the companies are valued more cheaply.
  • KNSL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 7.88
EV/EBITDA 14.03
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 KNSL does not grow enough to justify the current Price/Earnings ratio.
  • KNSL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.55
PEG (5Y)0.38
EPS Next 2Y7.91%
EPS Next 3Y7.52%

More info and screens

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

4

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 2.60, 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 RankSector 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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

KNSL Fundamentals: All Metrics, Ratios and Statistics

KINSALE CAPITAL GROUP INC

NYSE:KNSL (3/27/2026, 8:04:00 PM)

After market: 327.29 0 (0%)

327.29

-7.99 (-2.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-23
Inst Owners91.66%
Inst Owner Change4.51%
Ins Owners5.23%
Ins Owner Change1.77%
Market Cap7.58B
Revenue(TTM)1.81B
Net Income(TTM)474.09M
Analysts71.58
Price Target407.24 (24.43%)
Short Float %10.96%
Short Ratio10.01
Dividend
Industry RankSector 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
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 16.78
Fwd PE 15.74
P/S 4.34
P/FCF 7.88
P/OCF 7.46
P/B 4.06
P/tB 4.07
EV/EBITDA 14.03
EPS(TTM)19.51
EY5.96%
EPS(NY)20.79
Fwd EY6.35%
FCF(TTM)41.53
FCFY12.69%
OCF(TTM)43.86
OCFY13.4%
SpS75.33
BVpS80.57
TBVpS80.42
PEG (NY)2.55
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
WACC8.95%
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%.