KINSALE CAPITAL GROUP INC (KNSL) Stock Fundamental Analysis
USA - NYSE:KNSL - US49714P1084 - Common Stock
383.49 USD
+13.18 (+3.56%)
We assign a fundamental rating of 6 out of 10 to KNSL. KNSL was compared to 147 industry peers in the Insurance industry. KNSL has an excellent profitability rating, but there are concerns on its financial health. KNSL is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
KNSL had positive earnings in the past year.
KNSL had a positive operating cash flow in the past year.
In the past 5 years KNSL has always been profitable.
In the past 5 years KNSL always reported a positive cash flow from operatings.
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.
The Return On Equity of KNSL (25.42%) is better than 90.48% of its industry peers.
KNSL's Return On Invested Capital of 7.64% is amongst the best of the industry. KNSL outperforms 91.16% 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 4.39%.
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 Rank | Sector 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%
1.3 Margins
The Profit Margin of KNSL (27.18%) is better than 97.28% of its industry peers.
KNSL's Profit Margin has improved in the last couple of years.
KNSL has a better Operating Margin (31.51%) than 97.28% of its industry peers.
KNSL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so KNSL is destroying value.
KNSL has more shares outstanding than it did 1 year ago.
KNSL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for KNSL has been reduced compared to a year ago.
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 better Debt to FCF ratio (0.21) than 89.80% of its industry peers.
KNSL has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
KNSL's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. KNSL outperforms 75.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.21 | ||
| Altman-Z | N/A |
ROIC/WACC0.88
WACC8.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Revenue has been growing by 38.41% on average over the past years. This is a very strong growth!
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
Based on estimates for the next years, KNSL will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.06% on average per year.
Based on estimates for the next years, KNSL will show a quite strong growth in Revenue. The Revenue will grow by 10.52% on average per year.
EPS Next Y19.25%
EPS Next 2Y14.15%
EPS Next 3Y13.06%
EPS Next 5YN/A
Revenue Next Year16.36%
Revenue Next 2Y12.12%
Revenue Next 3Y10.52%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 20.93 indicates a rather expensive valuation of KNSL.
71.43% of the companies in the same industry are cheaper than KNSL, based on the Price/Earnings ratio.
KNSL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.07, which is the current average of the S&P500 Index.
KNSL is valuated rather expensively with a Price/Forward Earnings ratio of 18.32.
Based on the Price/Forward Earnings ratio, KNSL is valued a bit more expensive than the industry average as 68.03% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.08, KNSL is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.93 | ||
| Fwd PE | 18.32 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, KNSL is valued a bit more expensive than the industry average as 64.63% of the companies are valued more cheaply.
KNSL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.29 | ||
| EV/EBITDA | 15.59 |
4.3 Compensation for Growth
KNSL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
KNSL has an outstanding profitability rating, which may justify a higher PE ratio.
KNSL's earnings are expected to grow with 13.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.09
PEG (5Y)0.45
EPS Next 2Y14.15%
EPS Next 3Y13.06%
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 3.51.
Compared to an average S&P500 Dividend Yield of 2.44, KNSL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.17% |
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.
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
5.3 Sustainability
KNSL pays out 3.24% 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.
DP3.24%
EPS Next 2Y14.15%
EPS Next 3Y13.06%
NYSE:KNSL (11/21/2025, 3:23:38 PM)
383.49
+13.18 (+3.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners88.68%
Inst Owner Change-1.15%
Ins Owners5.29%
Ins Owner Change-0.27%
Market Cap8.94B
Revenue(TTM)1.74B
Net Income(TTM)474.09M
Analysts72.22
Price Target481.1 (25.45%)
Short Float %6.43%
Short Ratio5.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.17% |
Yearly Dividend0.6
Dividend Growth(5Y)13.48%
DP3.24%
Div Incr Years8
Div Non Decr Years8
Ex-Date
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)-6.42%
PT rev (3m)-6.52%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)1%
EPS NY rev (1m)2.22%
EPS NY rev (3m)6.16%
Revenue NQ rev (1m)2.26%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)3.22%
Revenue NY rev (3m)4.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.93 | ||
| Fwd PE | 18.32 | ||
| P/S | 5.12 | ||
| P/FCF | 9.29 | ||
| P/OCF | 8.8 | ||
| P/B | 4.79 | ||
| P/tB | 4.8 | ||
| EV/EBITDA | 15.59 |
EPS(TTM)18.32
EY4.78%
EPS(NY)20.94
Fwd EY5.46%
FCF(TTM)41.26
FCFY10.76%
OCF(TTM)43.58
OCFY11.36%
SpS74.85
BVpS80.05
TBVpS79.9
PEG (NY)1.09
PEG (5Y)0.45
Graham Number181.65
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.68%
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)19.58%
EPS 3Y40.94%
EPS 5Y46.15%
EPS Q2Q%24.05%
EPS Next Y19.25%
EPS Next 2Y14.15%
EPS Next 3Y13.06%
EPS Next 5YN/A
Revenue 1Y (TTM)18.57%
Revenue growth 3Y34.73%
Revenue growth 5Y38.41%
Sales Q2Q%19%
Revenue Next Year16.36%
Revenue Next 2Y12.12%
Revenue Next 3Y10.52%
Revenue Next 5YN/A
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 6 / 10 to KNSL.
Can you provide the valuation status for KINSALE CAPITAL GROUP INC?
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 valuation of KINSALE CAPITAL GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for KINSALE CAPITAL GROUP INC (KNSL) is 20.93 and the Price/Book (PB) ratio is 4.79.
How financially healthy is KINSALE CAPITAL GROUP INC?
The financial health rating of KINSALE CAPITAL GROUP INC (KNSL) is 3 / 10.