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KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis

NYSE:KNSL - New York Stock Exchange, Inc. - US49714P1084 - Common Stock - Currency: USD

464.51  -5.96 (-1.27%)

After market: 464.51 0 (0%)

Fundamental Rating

5

Overall KNSL gets a fundamental rating of 5 out of 10. We evaluated KNSL against 143 industry peers in the Insurance industry. KNSL has an excellent profitability rating, but there are concerns on its financial health. KNSL shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

In the past year KNSL was profitable.
KNSL had a positive operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

KNSL has a better Return On Assets (8.49%) than 96.50% of its industry peers.
KNSL's Return On Equity of 27.96% is amongst the best of the industry. KNSL outperforms 93.71% of its industry peers.
The Return On Invested Capital of KNSL (7.98%) is better than 90.21% of its industry peers.
KNSL had an Average Return On Invested Capital over the past 3 years of 7.61%. This is above the industry average of 4.07%.
The last Return On Invested Capital (7.98%) for KNSL is above the 3 year average (7.61%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 8.49%
ROE 27.96%
ROIC 7.98%
ROA(3y)7.48%
ROA(5y)7.14%
ROE(3y)25.89%
ROE(5y)22.97%
ROIC(3y)7.61%
ROIC(5y)6.78%
KNSL Yearly ROA, ROE, ROICKNSL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

With an excellent Profit Margin value of 26.91%, KNSL belongs to the best of the industry, outperforming 95.80% 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 (31.11%) than 95.10% of its industry peers.
KNSL's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 31.11%
PM (TTM) 26.91%
GM N/A
OM growth 3Y5.55%
OM growth 5Y8.21%
PM growth 3Y3.58%
PM growth 5Y5.22%
GM growth 3YN/A
GM growth 5YN/A
KNSL Yearly Profit, Operating, Gross MarginsKNSL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

2. Health

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 more shares outstanding
The number of shares outstanding for KNSL has been increased compared to 5 years ago.
Compared to 1 year ago, KNSL has an improved debt to assets ratio.
KNSL Yearly Shares OutstandingKNSL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
KNSL Yearly Total Debt VS Total AssetsKNSL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

KNSL has a debt to FCF ratio of 0.19. This is a very positive value and a sign of high solvency as it would only need 0.19 years to pay back of all of its debts.
KNSL has a Debt to FCF ratio of 0.19. This is amongst the best in the industry. KNSL outperforms 90.21% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that KNSL is not too dependend on debt financing.
KNSL has a better Debt to Equity ratio (0.12) than 79.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACC0.83
WACC9.62%
KNSL Yearly LT Debt VS Equity VS FCFKNSL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.06% over the past year.
Measured over the past years, KNSL shows a very strong growth in Earnings Per Share. The EPS has been growing by 46.15% on average per year.
The Revenue has grown by 23.34% in the past year. This is a very strong growth!
KNSL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.41% yearly.
EPS 1Y (TTM)20.06%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%6%
Revenue 1Y (TTM)23.34%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%13.57%

3.2 Future

The Earnings Per Share is expected to grow by 13.34% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.13% on average over the next years. This is quite good.
EPS Next Y12.06%
EPS Next 2Y13.52%
EPS Next 3Y13.34%
EPS Next 5YN/A
Revenue Next Year10.27%
Revenue Next 2Y11.62%
Revenue Next 3Y13.13%
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
KNSL Yearly Revenue VS EstimatesKNSL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 5 10 15 20

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 28.53, which means the current valuation is very expensive for KNSL.
Based on the Price/Earnings ratio, KNSL is valued a bit more expensive than the industry average as 76.22% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.32, KNSL is valued at the same level.
A Price/Forward Earnings ratio of 22.43 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 74.83% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, KNSL is valued at the same level.
Industry RankSector Rank
PE 28.53
Fwd PE 22.43
KNSL Price Earnings VS Forward Price EarningsKNSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

KNSL's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. KNSL is more expensive than 65.03% of the companies in the same industry.
KNSL's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.37
EV/EBITDA 22.45
KNSL Per share dataKNSL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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 an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as KNSL's earnings are expected to grow with 13.34% in the coming years.
PEG (NY)2.37
PEG (5Y)0.62
EPS Next 2Y13.52%
EPS Next 3Y13.34%

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4

5. Dividend

5.1 Amount

KNSL has a yearly dividend return of 0.14%, which is pretty low.
KNSL's Dividend Yield is slightly below the industry average, which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.40, KNSL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.14%

5.2 History

The dividend of KNSL is nicely growing with an annual growth rate of 13.48%!
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 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

KNSL pays out 3.36% of its income as dividend. This is a sustainable payout ratio.
KNSL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP3.36%
EPS Next 2Y13.52%
EPS Next 3Y13.34%
KNSL Yearly Income VS Free CF VS DividendKNSL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
KNSL Dividend Payout.KNSL Dividend Payout, showing the Payout Ratio.KNSL Dividend Payout.PayoutRetained Earnings

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KINSALE CAPITAL GROUP INC

NYSE:KNSL (6/17/2025, 8:04:00 PM)

After market: 464.51 0 (0%)

464.51

-5.96 (-1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners91.06%
Inst Owner Change3.18%
Ins Owners5.29%
Ins Owner Change0.9%
Market Cap10.83B
Analysts72.22
Price Target488.73 (5.21%)
Short Float %7.83%
Short Ratio8.57
Dividend
Industry RankSector Rank
Dividend Yield 0.14%
Yearly Dividend0.6
Dividend Growth(5Y)13.48%
DP3.36%
Div Incr Years8
Div Non Decr Years8
Ex-Date05-29 2025-05-29 (0.17)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.36%
Min EPS beat(2)4.33%
Max EPS beat(2)14.39%
EPS beat(4)4
Avg EPS beat(4)6.42%
Min EPS beat(4)2.67%
Max EPS beat(4)14.39%
EPS beat(8)8
Avg EPS beat(8)9.29%
EPS beat(12)12
Avg EPS beat(12)11.5%
EPS beat(16)16
Avg EPS beat(16)16.9%
Revenue beat(2)1
Avg Revenue beat(2)-0.39%
Min Revenue beat(2)-3.04%
Max Revenue beat(2)2.26%
Revenue beat(4)3
Avg Revenue beat(4)0.95%
Min Revenue beat(4)-3.04%
Max Revenue beat(4)3.37%
Revenue beat(8)5
Avg Revenue beat(8)0.38%
Revenue beat(12)8
Avg Revenue beat(12)1.14%
Revenue beat(16)11
Avg Revenue beat(16)2.08%
PT rev (1m)2.22%
PT rev (3m)-1.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.92%
Valuation
Industry RankSector Rank
PE 28.53
Fwd PE 22.43
P/S 7.02
P/FCF 11.37
P/OCF 11.09
P/B 7.3
P/tB 7.32
EV/EBITDA 22.45
EPS(TTM)16.28
EY3.5%
EPS(NY)20.71
Fwd EY4.46%
FCF(TTM)40.86
FCFY8.8%
OCF(TTM)41.88
OCFY9.02%
SpS66.14
BVpS63.64
TBVpS63.49
PEG (NY)2.37
PEG (5Y)0.62
Profitability
Industry RankSector Rank
ROA 8.49%
ROE 27.96%
ROCE 9.93%
ROIC 7.98%
ROICexc 8.17%
ROICexgc 8.98%
OM 31.11%
PM (TTM) 26.91%
GM N/A
FCFM 61.77%
ROA(3y)7.48%
ROA(5y)7.14%
ROE(3y)25.89%
ROE(5y)22.97%
ROIC(3y)7.61%
ROIC(5y)6.78%
ROICexc(3y)7.91%
ROICexc(5y)7.09%
ROICexgc(3y)8.76%
ROICexgc(5y)7.83%
ROCE(3y)9.47%
ROCE(5y)8.43%
ROICexcg growth 3Y4.55%
ROICexcg growth 5Y9.08%
ROICexc growth 3Y4.66%
ROICexc growth 5Y9.3%
OM growth 3Y5.55%
OM growth 5Y8.21%
PM growth 3Y3.58%
PM growth 5Y5.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.19
Debt/EBITDA 0.38
Cap/Depr 412.67%
Cap/Sales 1.55%
Interest Coverage 46.56
Cash Conversion 201.15%
Profit Quality 229.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.62%
ROIC/WACC0.83
Cap/Depr(3y)289.36%
Cap/Depr(5y)642.64%
Cap/Sales(3y)0.97%
Cap/Sales(5y)2.25%
Profit Quality(3y)284.25%
Profit Quality(5y)278.99%
High Growth Momentum
Growth
EPS 1Y (TTM)20.06%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%6%
EPS Next Y12.06%
EPS Next 2Y13.52%
EPS Next 3Y13.34%
EPS Next 5YN/A
Revenue 1Y (TTM)23.34%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%13.57%
Revenue Next Year10.27%
Revenue Next 2Y11.62%
Revenue Next 3Y13.13%
Revenue Next 5YN/A
EBIT growth 1Y26.99%
EBIT growth 3Y42.2%
EBIT growth 5Y49.77%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.62%
FCF growth 3Y33.41%
FCF growth 5Y43.1%
OCF growth 1Y13.55%
OCF growth 3Y33.86%
OCF growth 5Y40.49%