KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis

NYSE:KNSL • US49714P1084

389.67 USD
+7.21 (+1.89%)
At close: Feb 27, 2026
389.67 USD
0 (0%)
Pre-Market: 3/2/2026, 8:00:48 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to KNSL. KNSL was compared to 149 industry peers in the Insurance industry. While KNSL has a great profitability rating, there are some minor concerns on its financial health. KNSL is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year KNSL was profitable.
  • KNSL had a positive operating cash flow in the past year.
  • Each year in the past 5 years KNSL has been profitable.
  • 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

  • With an excellent Return On Assets value of 8.13%, KNSL belongs to the best of the industry, outperforming 93.96% of the companies in the same industry.
  • KNSL has a better Return On Equity (25.42%) than 92.62% of its industry peers.
  • KNSL has a better Return On Invested Capital (7.60%) than 88.59% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for KNSL is significantly below the industry average of 15.11%.
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

  • The Profit Margin of KNSL (27.18%) is better than 97.99% of its industry peers.
  • KNSL's Profit Margin has improved in the last couple of years.
  • KNSL has a Operating Margin of 31.51%. This is amongst the best in the industry. KNSL outperforms 93.96% 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KNSL is destroying value.
  • The number of shares outstanding for KNSL remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for KNSL has been increased compared to 5 years ago.
  • KNSL has a better debt/assets ratio than last year.
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.
  • With an excellent Debt to FCF ratio value of 0.21, KNSL belongs to the best of the industry, outperforming 91.95% 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 77.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACC0.89
WACC8.53%
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.
  • KNSL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.92% yearly.
  • KNSL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.61%.
  • 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.
  • 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

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 19.97 indicates a rather expensive valuation of KNSL.
  • 69.80% of the companies in the same industry are cheaper than KNSL, based on the Price/Earnings ratio.
  • KNSL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 18.56, KNSL is valued on the expensive side.
  • 69.80% 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 28.05, KNSL is valued a bit cheaper.
Industry RankSector Rank
PE 19.97
Fwd PE 18.56
KNSL Price Earnings VS Forward Price EarningsKNSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • KNSL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.43
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 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)2.62
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

  • With a yearly dividend of 0.26%, KNSL is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.46, KNSL is paying slightly less dividend.
  • With a Dividend Yield of 0.26, KNSL pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.26%

5.2 History

  • On average, the dividend of KNSL grows each year by 13.48%, which is quite nice.
  • KNSL has been paying a dividend for at least 10 years, so it has 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 (2/27/2026, 8:04:00 PM)

Premarket: 389.67 0 (0%)

389.67

+7.21 (+1.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-22
Inst Owners87.8%
Inst Owner Change4.52%
Ins Owners5.29%
Ins Owner Change0.44%
Market Cap9.06B
Revenue(TTM)1.81B
Net Income(TTM)474.09M
Analysts72.63
Price Target433.16 (11.16%)
Short Float %7.43%
Short Ratio6.66
Dividend
Industry RankSector Rank
Dividend Yield 0.26%
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)-7.59%
PT rev (3m)-9.39%
EPS NQ rev (1m)-0.59%
EPS NQ rev (3m)1.09%
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 19.97
Fwd PE 18.56
P/S 5.2
P/FCF 9.43
P/OCF 8.93
P/B 4.86
P/tB 4.87
EV/EBITDA N/A
EPS(TTM)19.51
EY5.01%
EPS(NY)20.99
Fwd EY5.39%
FCF(TTM)41.34
FCFY10.61%
OCF(TTM)43.65
OCFY11.2%
SpS74.98
BVpS80.19
TBVpS80.04
PEG (NY)2.62
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
WACC8.53%
ROIC/WACC0.89
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%.