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KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis

NYSE:KNSL - US49714P1084 - Common Stock

450.53 USD
-4.85 (-1.07%)
Last: 8/25/2025, 12:50:23 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to KNSL. KNSL was compared to 143 industry peers in the Insurance industry. While KNSL belongs to the best of the industry regarding profitability, 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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7

1. Profitability

1.1 Basic Checks

In the past year KNSL was profitable.
Each year in the past 5 years KNSL has been profitable.
KNSL had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

The Return On Assets of KNSL (8.04%) is better than 95.10% of its industry peers.
KNSL has a Return On Equity of 25.93%. This is amongst the best in the industry. KNSL outperforms 93.01% of its industry peers.
The Return On Invested Capital of KNSL (7.55%) is better than 90.21% of its industry peers.
The Average Return On Invested Capital over the past 3 years for KNSL is above the industry average of 4.11%.
Industry RankSector Rank
ROA 8.04%
ROE 25.93%
ROIC 7.55%
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

KNSL's Profit Margin of 26.78% is amongst the best of the industry. KNSL outperforms 97.90% of its industry peers.
KNSL's Profit Margin has improved in the last couple of years.
KNSL's Operating Margin of 31.08% is amongst the best of the industry. KNSL outperforms 97.90% of its industry peers.
In the last couple of years the Operating Margin of KNSL has grown nicely.
Industry RankSector Rank
OM 31.08%
PM (TTM) 26.78%
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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1

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KNSL is destroying value.
Compared to 1 year ago, KNSL has more 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.
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

A Debt/Equity ratio of 0.11 indicates that KNSL is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.11, KNSL is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.86
WACC8.83%
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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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.96% over the past year.
The Earnings Per Share has been growing by 46.15% 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 19.68%.
Measured over the past years, KNSL shows a very strong growth in Revenue. The Revenue has been growing by 38.41% on average per year.
EPS 1Y (TTM)19.96%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%27.47%
Revenue 1Y (TTM)19.68%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%22.17%

3.2 Future

KNSL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.70% yearly.
KNSL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.22% yearly.
EPS Next Y16.35%
EPS Next 2Y14.42%
EPS Next 3Y12.7%
EPS Next 5YN/A
Revenue Next Year12.92%
Revenue Next 2Y11.1%
Revenue Next 3Y12.22%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 26.03, which means the current valuation is very expensive for KNSL.
Compared to the rest of the industry, the Price/Earnings ratio of KNSL indicates a slightly more expensive valuation: KNSL is more expensive than 76.22% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of KNSL to the average of the S&P500 Index (27.24), we can say KNSL is valued inline with the index average.
The Price/Forward Earnings ratio is 21.41, which indicates a rather expensive current valuation of KNSL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KNSL indicates a slightly more expensive valuation: KNSL is more expensive than 73.43% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, KNSL is valued at the same level.
Industry RankSector Rank
PE 26.03
Fwd PE 21.41
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KNSL indicates a slightly more expensive valuation: KNSL is more expensive than 64.34% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 20.33
KNSL Per share dataKNSL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
KNSL has a very decent profitability rating, which may justify a higher PE ratio.
KNSL's earnings are expected to grow with 12.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.59
PEG (5Y)0.56
EPS Next 2Y14.42%
EPS Next 3Y12.7%

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5. Dividend

5.1 Amount

With a yearly dividend of 0.15%, KNSL is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.52, KNSL is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, KNSL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.15%

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.
As KNSL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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

1.56% of the earnings are spent on dividend by KNSL. This is a low number and sustainable payout ratio.
The dividend of KNSL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP1.56%
EPS Next 2Y14.42%
EPS Next 3Y12.7%
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 (8/25/2025, 12:50:23 PM)

450.53

-4.85 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners90.32%
Inst Owner Change-3.24%
Ins Owners5.29%
Ins Owner Change0.73%
Market Cap10.50B
Analysts72.22
Price Target514.08 (14.11%)
Short Float %6.87%
Short Ratio6.66
Dividend
Industry RankSector Rank
Dividend Yield 0.15%
Yearly Dividend0.6
Dividend Growth(5Y)13.48%
DP1.56%
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)9.21%
Min EPS beat(2)6.2%
Max EPS beat(2)12.22%
EPS beat(4)4
Avg EPS beat(4)9.28%
Min EPS beat(4)4.33%
Max EPS beat(4)14.39%
EPS beat(8)8
Avg EPS beat(8)8.78%
EPS beat(12)12
Avg EPS beat(12)11.24%
EPS beat(16)16
Avg EPS beat(16)14.9%
Revenue beat(2)1
Avg Revenue beat(2)1.72%
Min Revenue beat(2)-2.43%
Max Revenue beat(2)5.87%
Revenue beat(4)2
Avg Revenue beat(4)0.67%
Min Revenue beat(4)-3.04%
Max Revenue beat(4)5.87%
Revenue beat(8)5
Avg Revenue beat(8)0.79%
Revenue beat(12)7
Avg Revenue beat(12)0.8%
Revenue beat(16)11
Avg Revenue beat(16)2.11%
PT rev (1m)2.8%
PT rev (3m)7.53%
EPS NQ rev (1m)2.01%
EPS NQ rev (3m)0.72%
EPS NY rev (1m)3.59%
EPS NY rev (3m)3.83%
Revenue NQ rev (1m)1.19%
Revenue NQ rev (3m)-3.3%
Revenue NY rev (1m)2.57%
Revenue NY rev (3m)2.4%
Valuation
Industry RankSector Rank
PE 26.03
Fwd PE 21.41
P/S 6.29
P/FCF N/A
P/OCF N/A
P/B 6.09
P/tB 6.11
EV/EBITDA 20.33
EPS(TTM)17.31
EY3.84%
EPS(NY)21.04
Fwd EY4.67%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS71.58
BVpS73.93
TBVpS73.78
PEG (NY)1.59
PEG (5Y)0.56
Profitability
Industry RankSector Rank
ROA 8.04%
ROE 25.93%
ROCE 9.39%
ROIC 7.55%
ROICexc 7.75%
ROICexgc 8.52%
OM 31.08%
PM (TTM) 26.78%
GM N/A
FCFM N/A
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-ScoreN/A
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Debt/EBITDA 0.35
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC8.83%
ROIC/WACC0.86
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)19.96%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%27.47%
EPS Next Y16.35%
EPS Next 2Y14.42%
EPS Next 3Y12.7%
EPS Next 5YN/A
Revenue 1Y (TTM)19.68%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%22.17%
Revenue Next Year12.92%
Revenue Next 2Y11.1%
Revenue Next 3Y12.22%
Revenue Next 5YN/A
EBIT growth 1Y18.27%
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%