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KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis

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

463.61  +10.46 (+2.31%)

After market: 463.61 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. While KNSL belongs to the best of the industry regarding profitability, there are concerns on its financial health. KNSL is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

In the past year KNSL was profitable.
In the past year KNSL had a positive cash flow from operations.
In the past 5 years KNSL has always 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

KNSL has a Return On Assets of 8.49%. This is amongst the best in the industry. KNSL outperforms 98.60% of its industry peers.
The Return On Equity of KNSL (27.96%) is better than 93.71% of its industry peers.
KNSL has a better Return On Invested Capital (7.98%) 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 4.27%.
The 3 year average ROIC (7.61%) for KNSL is below the current ROIC(7.98%), indicating increased profibility in the last year.
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

The Profit Margin of KNSL (26.91%) is better than 95.80% of its industry peers.
KNSL's Profit Margin has improved in the last couple of years.
KNSL's Operating Margin of 31.11% is amongst the best of the industry. KNSL outperforms 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

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
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

The Debt to FCF ratio of KNSL is 0.19, which is an excellent value as it means it would take KNSL, only 0.19 years of fcf income to pay off 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.
The Debt to Equity ratio of KNSL (0.12) is better than 79.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.19
Altman-Z N/A
ROIC/WACC0.88
WACC9.07%
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.
KNSL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 46.15% yearly.
Looking at the last year, KNSL shows a very strong growth in Revenue. The Revenue has grown by 23.34%.
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)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

Based on estimates for the next years, KNSL will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.34% on average per year.
KNSL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.13% yearly.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

A Price/Earnings ratio of 28.48 indicates a quite expensive valuation of KNSL.
76.92% of the companies in the same industry are cheaper than KNSL, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of KNSL to the average of the S&P500 Index (25.82), we can say KNSL is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 22.39, the valuation of KNSL can be described as rather expensive.
KNSL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. KNSL is more expensive than 73.43% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.76. KNSL is around the same levels.
Industry RankSector Rank
PE 28.48
Fwd PE 22.39
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 65.73% of the companies in the same industry.
KNSL's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. KNSL is more expensive than 60.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.35
EV/EBITDA 22.41
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 an expensive 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 13.34% in the coming years.
PEG (NY)2.36
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 0.15%, which is pretty low.
Compared to an average industry Dividend Yield of 3.23, KNSL is paying slightly less dividend.
With a Dividend Yield of 0.15, KNSL pays less dividend than the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 0.15%

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 0.1 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.
The dividend of KNSL is growing, but the earnings are growing slower. 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 (5/23/2025, 8:30:42 PM)

After market: 463.61 0 (0%)

463.61

+10.46 (+2.31%)

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 Owners88.01%
Inst Owner Change3.15%
Ins Owners5.32%
Ins Owner Change0.61%
Market Cap10.81B
Analysts72.22
Price Target478.09 (3.12%)
Short Float %6.63%
Short Ratio7.53
Dividend
Industry RankSector Rank
Dividend Yield 0.15%
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)-2.35%
PT rev (3m)-3.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-20.6%
EPS NY rev (1m)1.54%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.56%
Revenue NY rev (1m)-2.82%
Revenue NY rev (3m)-3.76%
Valuation
Industry RankSector Rank
PE 28.48
Fwd PE 22.39
P/S 7.01
P/FCF 11.35
P/OCF 11.07
P/B 7.28
P/tB 7.3
EV/EBITDA 22.41
EPS(TTM)16.28
EY3.51%
EPS(NY)20.71
Fwd EY4.47%
FCF(TTM)40.86
FCFY8.81%
OCF(TTM)41.88
OCFY9.03%
SpS66.14
BVpS63.64
TBVpS63.49
PEG (NY)2.36
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
WACC9.07%
ROIC/WACC0.88
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%