KINSALE CAPITAL GROUP INC (KNSL) Fundamental Analysis & Valuation

NYSE:KNSL • US49714P1084

359.78 USD
-2.66 (-0.73%)
At close: Mar 10, 2026
359.78 USD
0 (0%)
After Hours: 3/10/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This KNSL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

KNSL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years KNSL has always 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

  • The Return On Assets of KNSL (8.13%) is better than 93.29% of its industry peers.
  • KNSL has a Return On Equity of 25.42%. This is amongst the best in the industry. KNSL outperforms 91.95% of its industry peers.
  • KNSL has a Return On Invested Capital of 7.60%. This is amongst the best in the industry. KNSL outperforms 87.92% 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 15.25%.
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

  • KNSL has a Profit Margin of 27.18%. This is amongst the best in the industry. KNSL outperforms 96.64% 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 93.29% 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

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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.
  • Compared to 1 year ago, KNSL has less shares outstanding
  • KNSL has more shares outstanding than it did 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 90.60% of the companies in the same industry.
  • KNSL has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of KNSL (0.11) is better than 78.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACC0.88
WACC8.65%
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

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
  • 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

  • Based on estimates for the next years, KNSL will show a small growth in Earnings Per Share. The EPS will grow by 7.52% on average per year.
  • 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 Year5.22%
Revenue Next 2Y6.98%
Revenue Next 3Y6.76%
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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2

4. KNSL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.44, the valuation of KNSL can be described as rather expensive.
  • Based on the Price/Earnings ratio, KNSL is valued a bit more expensive than 71.81% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.25. KNSL is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 17.30 indicates a rather expensive valuation of KNSL.
  • KNSL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. KNSL is more expensive than 69.80% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.39, KNSL is valued a bit cheaper.
Industry RankSector Rank
PE 18.44
Fwd PE 17.3
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

  • Based on the Enterprise Value to EBITDA ratio, KNSL is valued a bit more expensive than the industry average as 61.74% 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 8.66
EV/EBITDA 15.05
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)2.8
PEG (5Y)0.42
EPS Next 2Y7.91%
EPS Next 3Y7.52%

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

4

5. KNSL Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.26%, KNSL is not a good candidate for dividend investing.
  • KNSL's Dividend Yield is slightly below the industry average, which is at 2.89.
  • Compared to an average S&P500 Dividend Yield of 1.82, KNSL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.26%

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

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KNSL Fundamentals: All Metrics, Ratios and Statistics

KINSALE CAPITAL GROUP INC

NYSE:KNSL (3/10/2026, 8:04:00 PM)

After market: 359.78 0 (0%)

359.78

-2.66 (-0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-22
Inst Owners91.66%
Inst Owner Change4.49%
Ins Owners5.23%
Ins Owner Change1.77%
Market Cap8.33B
Revenue(TTM)1.81B
Net Income(TTM)474.09M
Analysts71.58
Price Target433.16 (20.4%)
Short Float %7.84%
Short Ratio7.05
Dividend
Industry RankSector Rank
Dividend Yield 0.26%
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)-2.01%
Revenue NY rev (3m)-2.44%
Valuation
Industry RankSector Rank
PE 18.44
Fwd PE 17.3
P/S 4.78
P/FCF 8.66
P/OCF 8.2
P/B 4.47
P/tB 4.47
EV/EBITDA 15.05
EPS(TTM)19.51
EY5.42%
EPS(NY)20.79
Fwd EY5.78%
FCF(TTM)41.53
FCFY11.54%
OCF(TTM)43.86
OCFY12.19%
SpS75.33
BVpS80.57
TBVpS80.42
PEG (NY)2.8
PEG (5Y)0.42
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
WACC8.65%
ROIC/WACC0.88
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 Year5.22%
Revenue Next 2Y6.98%
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 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 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%.