KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:KNSL • US49714P1084

410.44 USD
+1.56 (+0.38%)
At close: Feb 5, 2026
410.51 USD
+0.07 (+0.02%)
After Hours: 2/5/2026, 8:04:00 PM
Fundamental Rating

5

KNSL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. KNSL scores excellent on profitability, but there are concerns on its financial health. KNSL is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • KNSL had positive earnings in the past year.
  • In the past year KNSL had a positive cash flow from operations.
  • KNSL had positive earnings in each of the past 5 years.
  • In the past 5 years KNSL always reported a positive cash flow from operatings.
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 200M 400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 8.13%, KNSL belongs to the top of the industry, outperforming 94.56% of the companies in the same industry.
  • With an excellent Return On Equity value of 25.42%, KNSL belongs to the best of the industry, outperforming 91.84% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 7.64%, KNSL belongs to the best of the industry, outperforming 89.80% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for KNSL is significantly below the industry average of 14.94%.
  • The last Return On Invested Capital (7.64%) for KNSL is above the 3 year average (7.61%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 8.13%
ROE 25.42%
ROIC 7.64%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • With an excellent Profit Margin value of 27.18%, KNSL belongs to the best of the industry, outperforming 97.96% of the companies in the same industry.
  • KNSL's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 31.51%, KNSL belongs to the best of the industry, outperforming 93.88% of the companies in the same industry.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

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 increased 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 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 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of KNSL is 0.21, which is an excellent value as it means it would take KNSL, only 0.21 years of fcf income to pay off all of its debts.
  • KNSL has a Debt to FCF ratio of 0.21. This is amongst the best in the industry. KNSL outperforms 91.16% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that KNSL is not too dependend on debt financing.
  • KNSL has a Debt to Equity ratio of 0.11. This is in the better half of the industry: KNSL outperforms 76.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACC0.86
WACC8.85%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

More info and screens

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

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 19.58% 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
  • The Revenue has grown by 18.57% in the past year. This is quite good.
  • 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)19.58%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%24.05%
Revenue 1Y (TTM)18.57%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%19%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.92% on average over the next years. This is quite good.
  • KNSL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.76% yearly.
EPS Next Y20.18%
EPS Next 2Y14.3%
EPS Next 3Y13.35%
EPS Next 5Y9.92%
Revenue Next Year16.61%
Revenue Next 2Y11.9%
Revenue Next 3Y11.17%
Revenue Next 5Y10.76%

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.
  • 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 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 22.40, the valuation of KNSL can be described as rather expensive.
  • Based on the Price/Earnings ratio, KNSL is valued a bit more expensive than 72.11% of the companies in the same industry.
  • KNSL's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.67.
  • Based on the Price/Forward Earnings ratio of 19.55, the valuation of KNSL can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, KNSL is valued a bit more expensive than the industry average as 71.43% of the companies are valued more cheaply.
  • KNSL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.4
Fwd PE 19.55
KNSL Price Earnings VS Forward Price EarningsKNSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 65.31% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as KNSL.
Industry RankSector Rank
P/FCF 9.93
EV/EBITDA 17.18
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The excellent profitability rating of KNSL may justify a higher PE ratio.
  • A more expensive valuation may be justified as KNSL's earnings are expected to grow with 13.35% in the coming years.
PEG (NY)1.11
PEG (5Y)0.49
EPS Next 2Y14.3%
EPS Next 3Y13.35%

More info and screens

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

4

5. Dividend

5.1 Amount

  • KNSL has a yearly dividend return of 0.17%, which is pretty low.
  • KNSL's Dividend Yield is slightly below the industry average, which is at 2.24.
  • With a Dividend Yield of 0.17, KNSL pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.17%

5.2 History

  • The dividend of KNSL is nicely growing with an annual growth rate of 13.48%!
  • KNSL has paid a dividend for at least 10 years, which is 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 0.2 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 2Y14.3%
EPS Next 3Y13.35%
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 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 (2/5/2026, 8:04:00 PM)

After market: 410.51 +0.07 (+0.02%)

410.44

+1.56 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-23
Earnings (Next)02-12
Inst Owners87.8%
Inst Owner Change-1.08%
Ins Owners5.29%
Ins Owner Change0.62%
Market Cap9.55B
Revenue(TTM)1.74B
Net Income(TTM)474.09M
Analysts71.58
Price Target468.75 (14.21%)
Short Float %7.08%
Short Ratio6.66
Dividend
Industry RankSector Rank
Dividend Yield 0.17%
Yearly Dividend0.6
Dividend Growth(5Y)13.48%
DP3.24%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
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)0.34%
PT rev (3m)-2.57%
EPS NQ rev (1m)1.39%
EPS NQ rev (3m)1.05%
EPS NY rev (1m)0.22%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)-0.5%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)3.44%
Valuation
Industry RankSector Rank
PE 22.4
Fwd PE 19.55
P/S 5.47
P/FCF 9.93
P/OCF 9.4
P/B 5.12
P/tB 5.13
EV/EBITDA 17.18
EPS(TTM)18.32
EY4.46%
EPS(NY)20.99
Fwd EY5.12%
FCF(TTM)41.34
FCFY10.07%
OCF(TTM)43.65
OCFY10.64%
SpS74.98
BVpS80.19
TBVpS80.04
PEG (NY)1.11
PEG (5Y)0.49
Graham Number181.81
Profitability
Industry RankSector Rank
ROA 8.13%
ROE 25.42%
ROCE 9.5%
ROIC 7.64%
ROICexc 7.87%
ROICexgc 8.62%
OM 31.51%
PM (TTM) 27.18%
GM N/A
FCFM 55.13%
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%
ROICexgc growth 3Y4.55%
ROICexgc 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-Score6
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Debt/EBITDA 0.36
Cap/Depr 928.46%
Cap/Sales 3.09%
Interest Coverage 250
Cash Conversion 182.83%
Profit Quality 202.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.85%
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)19.58%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%24.05%
EPS Next Y20.18%
EPS Next 2Y14.3%
EPS Next 3Y13.35%
EPS Next 5Y9.92%
Revenue 1Y (TTM)18.57%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%19%
Revenue Next Year16.61%
Revenue Next 2Y11.9%
Revenue Next 3Y11.17%
Revenue Next 5Y10.76%
EBIT growth 1Y19.25%
EBIT growth 3Y42.2%
EBIT growth 5Y49.77%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y29.62%
FCF growth 3Y33.41%
FCF growth 5Y43.1%
OCF growth 1Y35.48%
OCF growth 3Y33.86%
OCF growth 5Y40.49%

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 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 8 / 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 20.18% 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%.