Overview Dividends

(KNSL) Kinsale Capital - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US49714P1084

Property, Casualty, Commercial, Personal, Insurance

Property & Casualty Insurance
Market Cap in USD: 9,284m

IPO / Inception: 2016-07-28
Return 12m vs S&P 500: -17.6%

EPS (Earnings per Share)

EPS CAGR: -37.39%
EPS Trend: 16.6%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 30.45%
Rev. Trend: 97.9%

Last SUE: 2.61
Qual. Beats: 2

Dividends

Dividend Yield	0.17%
Yield on Cost 5y	0.33%
Yield CAGR 5y	11.50%
Payout Consistency	100.0%
Payout Ratio	3.7%

Risk via 5d forecast
Volatility	38.0%
Value at Risk 5%th	52.3%
Relative Tail Risk	-16.31%

Reward TTM
Sharpe Ratio	0.01
Alpha	-13.36
CAGR/Max DD	0.36

Character TTM
Hurst Exponent	0.434
Beta	0.539
Beta Downside	0.401

Drawdowns 3y
Max DD	35.12%
Mean DD	14.44%
Median DD	14.33%

Description: KNSL Kinsale Capital January 03, 2026

Kinsale Capital Group (NYSE:KNSL) is a U.S.-based property and casualty insurer that underwrites a broad suite of commercial lines-including construction, energy, professional liability, and agribusiness-as well as high-value personal lines such as luxury homeowners. The firm distributes its products through an independent broker network across all 50 states, DC, Puerto Rico, and the U.S. Virgin Islands. Founded in 2009 and headquartered in Richmond, Virginia, Kinsale focuses on niche, higher-margin segments within the P&C market.

Recent performance metrics (FY 2023) show a combined ratio of roughly 85%, indicating underwriting profitability, and net written premiums of about $1.2 billion, up 7% year-over-year. The company generated a return on equity near 12% and posted earnings per share growth of 15% versus the prior year, reflecting both disciplined underwriting and a modest investment-income boost from a higher-interest-rate environment.

Key drivers for Kinsale’s outlook include: (1) the frequency and severity of natural catastrophes, which can compress loss ratios in its commercial property lines; (2) inflation in construction and labor costs, raising claim severities but also allowing for premium price-adjustments; and (3) the broader macro-trend of rising interest rates, which improves investment yields but may increase policyholder lapse rates in price-sensitive segments.

For a deeper, data-rich analysis of Kinsale’s valuation and risk profile, you may find the free research tools on ValueRay useful.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (474.1m TTM) > 0 and > 6% of Revenue (6% = 108.2m TTM)

FCFTA 0.16 (>2.0%) and ΔFCFTA -3.82pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 242.2% (prev 119.8%; Δ 122.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.17 (>3.0%) and CFO 1.02b > Net Income 474.1m (YES >=105%, WARN >=100%)

Net Debt (29.2m) to EBITDA (608.4m) ratio: 0.05 <= 3.0 (WARN <= 3.5)

Current Ratio 45.05 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (23.3m) change vs 12m ago -0.27% (target <= -2.0% for YES)

Gross Margin 43.08% (prev 43.14%; Δ -0.06pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 34.13% (prev 32.26%; Δ 1.87pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 13.81 (EBITDA TTM 608.4m / Interest Expense TTM 10.2m) >= 6 (WARN >= 3)

Altman Z'' 6.38

(A) 0.75 = (Total Current Assets 4.47b - Total Current Liabilities 99.1m) / Total Assets 5.83b

(B) 0.27 = Retained Earnings (Balance) 1.58b / Total Assets 5.83b

(D) 0.39 = Book Value of Equity 1.55b / Total Liabilities 3.97b

Total Rating: 6.38 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 75.27

1. Piotroski 4.50pt

2. FCF Yield 13.48%

3. FCF Margin 53.33%

4. Debt/Equity 0.11

5. Debt/Ebitda 0.05

6. ROIC - WACC (= -1.81)%

7. RoE 28.50%

8. Rev. Trend 97.94%

9. EPS Trend 16.58%

What is the price of KNSL shares?

As of January 09, 2026, the stock is trading at USD 411.14 with a total of 226,302 shares traded.
Over the past week, the price has changed by +4.76%, over one month by +15.94%, over three months by -14.13% and over the past year by -2.43%.

Is KNSL a buy, sell or hold?

Kinsale Capital has received a consensus analysts rating of 3.45. Therefor, it is recommend to hold KNSL.

Strong Buy: 2
Buy: 1
Hold: 8
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the KNSL price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	456.6	11.1%
Analysts Target Price	456.6	11.1%
ValueRay Target Price	400.9	-2.5%

KNSL Fundamental Data Overview January 09, 2026

Market Cap USD = 9.28b (9.28b USD * 1.0 USD.USD)
P/E Trailing = 19.5707
P/E Forward = 19.084
P/S = 5.1497
P/B = 4.9697
P/EG = 1.2734
Beta = 1.002
Revenue TTM = 1.80b USD
EBIT TTM = 141.2m USD
EBITDA TTM = 608.4m USD
Long Term Debt = 199.3m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 199.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 29.2m USD (from netDebt column, last quarter)
Enterprise Value = 7.13b USD (9.28b + Debt 199.3m - CCE 2.35b)
Interest Coverage Ratio = 13.81 (Ebit TTM 141.2m / Interest Expense TTM 10.2m)
FCF Yield = 13.48% (FCF TTM 961.5m / Enterprise Value 7.13b)
FCF Margin = 53.33% (FCF TTM 961.5m / Revenue TTM 1.80b)
Net Margin = 26.30% (Net Income TTM 474.1m / Revenue TTM 1.80b)
Gross Margin = 43.08% ((Revenue TTM 1.80b - Cost of Revenue TTM 1.03b) / Revenue TTM)
Gross Margin QoQ = 45.24% (prev 45.28%)
Tobins Q-Ratio = 1.22 (Enterprise Value 7.13b / Total Assets 5.83b)
Interest Expense / Debt = 1.29% (Interest Expense 2.57m / Debt 199.3m)
Taxrate = 20.81% (37.2m / 178.9m)
NOPAT = 111.8m (EBIT 141.2m * (1 - 20.81%))
Current Ratio = 45.05 (Total Current Assets 4.47b / Total Current Liabilities 99.1m)
Debt / Equity = 0.11 (Debt 199.3m / totalStockholderEquity, last quarter 1.87b)
Debt / EBITDA = 0.05 (Net Debt 29.2m / EBITDA 608.4m)
Debt / FCF = 0.03 (Net Debt 29.2m / FCF TTM 961.5m)
Total Stockholder Equity = 1.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.13% (Net Income 474.1m / Total Assets 5.83b)
RoE = 28.50% (Net Income TTM 474.1m / Total Stockholder Equity 1.66b)
RoCE = 7.58% (EBIT 141.2m / Capital Employed (Equity 1.66b + L.T.Debt 199.3m))
RoIC = 6.04% (NOPAT 111.8m / Invested Capital 1.85b)
WACC = 7.85% (E(9.28b)/V(9.48b) * Re(8.0%) + D(199.3m)/V(9.48b) * Rd(1.29%) * (1-Tc(0.21)))
Discount Rate = 8.0% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.11%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈961.1m ; Y1≈1.19b ; Y5≈2.02b
Fair Price DCF = 1479 (DCF Value 34.41b / Shares Outstanding 23.3m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 16.58 | EPS CAGR: -37.39% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.94 | Revenue CAGR: 30.45% | SUE: 2.61 | # QB: 2
EPS next Quarter (2026-03-31): EPS=4.77 | Chg30d=+0.013 | Revisions Net=+0 | Analysts=10
EPS next Year (2026-12-31): EPS=20.57 | Chg30d=+0.012 | Revisions Net=+0 | Growth EPS=+8.9% | Growth Revenue=+8.3%

Additional Sources for KNSL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle