(KNSL) Kinsale Capital - Overview

Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 7.614m USD | Total Return: -30.7% in 12m

Stock Commercial Insurance, Personal Insurance, Specialty Lines
Total Rating 45
Risk 49
Buy Signal -0.03
Insurance - Property & Casualty +7.7
Property & Casualty Insurance +8.4
Market Cap: 7,614m
Avg Trading Vol: 73.0M USD
ATR: 3.53%
Peers RS (IBD): 9.6
Risk 5d forecast
Volatility39.5%
Rel. Tail Risk-15.5%
Reward TTM
Sharpe Ratio-0.88
Alpha-37.06
Character TTM
Beta0.249
Beta Downside0.175
Drawdowns 3y
Max DD40.22%
CAGR/Max DD0.10
EPS (Earnings per Share) EPS (Earnings per Share) of KNSL over the last years for every Quarter: "2021-03": 1.11, "2021-06": 1.28, "2021-09": 1.59, "2021-12": 1.76, "2022-03": 1.63, "2022-06": 1.92, "2022-09": 1.64, "2022-12": 2.6, "2023-03": 2.44, "2023-06": 2.88, "2023-09": 3.31, "2023-12": 3.87, "2024-03": 3.5, "2024-06": 3.75, "2024-09": 4.2, "2024-12": 4.62, "2025-03": 3.71, "2025-06": 4.78, "2025-09": 5.21, "2025-12": 5.81,
EPS CAGR: 40.34%
EPS Trend: 90.5%
Last SUE: 4.00
Qual. Beats: 15
Revenue Revenue of KNSL over the last years for every Quarter: 2021-03: 138.283, 2021-06: 153.01, 2021-09: 164.884, 2021-12: 183.602, 2022-03: 180.318, 2022-06: 183.876, 2022-09: 222.06, 2022-12: 242.964, 2023-03: 263.145, 2023-06: 295.766, 2023-09: 314.367, 2023-12: 351.171, 2024-03: 372.791, 2024-06: 384.553, 2024-09: 418.058, 2024-12: 412.123, 2025-03: 423.397, 2025-06: 469.814, 2025-09: 497.505, 2025-12: 483.271,
Rev. CAGR: 30.07%
Rev. Trend: 97.1%
Last SUE: 1.10
Qual. Beats: 3
Description: KNSL Kinsale Capital March 05, 2026

Kinsale Capital Group, Inc. (KNSL) provides property and casualty insurance in the United States. The company operates in the excess and surplus lines insurance market, which covers risks not typically underwritten by standard insurers.

KNSL offers a diverse range of commercial and personal insurance products. Commercial lines include various casualty and property coverages, while personal lines focus on high-value homeowners insurance. This broad product offering is characteristic of many specialty insurers.

Distribution occurs through independent insurance brokers across all U.S. states and territories. This broker-centric model is common in the specialty insurance sector.

Kinsale Capital Group, Inc. was founded in 2009 and is based in Richmond, Virginia. For more insights into KNSLs financial performance, further research on platforms like ValueRay is recommended.

Headlines to Watch Out For
  • Specialty insurance demand drives premium growth
  • Underwriting profitability impacts earnings
  • Catastrophe losses increase claims expenses
  • Investment income contributes to overall profit
  • Regulatory changes affect product offerings and pricing
Piotroski VR‑10 (Strict, 0-10) 7.0
Net Income: 503.6m TTM > 0 and > 6% of Revenue
FCF/TA: 0.17 > 0.02 and ΔFCF/TA -2.01 > 1.0
NWC/Revenue: -28.17% < 20% (prev 232.5%; Δ -260.7% < -1%)
CFO/TA 0.18 > 3% & CFO 1.04b > Net Income 503.6m
Net Debt (61.0m) to EBITDA (650.8m): 0.09 < 3
Current Ratio: 0.35 > 1.5 & < 3
Outstanding Shares: last quarter (23.2m) vs 12m ago -0.72% < -2%
Gross Margin: 46.03% > 18% (prev 0.43%; Δ 4.56k% > 0.5%)
Asset Turnover: 35.52% > 50% (prev 32.49%; Δ 3.03% > 0%)
Interest Coverage Ratio: 16.70 > 6 (EBITDA TTM 650.8m / Interest Expense TTM 10.6m)
Altman Z'' 1.08
A: -0.09 (Total Current Assets 288.0m - Total Current Liabilities 815.9m) / Total Assets 5.67b
B: 0.30 (Retained Earnings 1.72b / Total Assets 5.67b)
C: 0.03 (EBIT TTM 177.8m / Avg Total Assets 5.28b)
D: 0.46 (Book Value of Equity 1.69b / Total Liabilities 3.71b)
Altman-Z'' Score: 1.08 = BB
Beneish M -1.62
DSRI: 0.22 (Receivables 124.6m/477.9m, Revenue 1.87b/1.59b)
GMI: 0.93 (GM 46.03% / 42.86%)
AQI: 4.50 (AQ_t 0.93 / AQ_t-1 0.21)
SGI: 1.18 (Revenue 1.87b / 1.59b)
TATA: -0.10 (NI 503.6m - CFO 1.04b) / TA 5.67b)
Beneish M-Score: -1.62 (Cap -4..+1) = CCC
What is the price of KNSL shares? As of March 31, 2026, the stock is trading at USD 336.69 with a total of 220,800 shares traded.
Over the past week, the price has changed by +2.63%, over one month by -13.60%, over three months by -14.84% and over the past year by -30.70%.
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.
  • StrongBuy: 2
  • Buy: 1
  • Hold: 8
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the KNSL price?
ISSUER TARGET UP/DOWN
Wallstreet Target Price 407.3 21%
Analysts Target Price 407.3 21%
KNSL Fundamental Data Overview March 31, 2026
P/E Trailing = 15.1313
P/E Forward = 16.0
P/S = 4.0629
P/B = 3.8779
P/EG = 1.0671
Revenue TTM = 1.87b USD
EBIT TTM = 177.8m USD
EBITDA TTM = 650.8m USD
Long Term Debt = 173.4m USD (from longTermDebt, last quarter)
Short Term Debt = 51.0m USD (from shortLongTermDebt, last quarter)
Debt = 224.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 61.0m USD (from netDebt column, last quarter)
Enterprise Value = 7.67b USD (7.61b + Debt 224.4m - CCE 167.2m)
Interest Coverage Ratio = 16.70 (Ebit TTM 177.8m / Interest Expense TTM 10.6m)
EV/FCF = 7.75x (Enterprise Value 7.67b / FCF TTM 990.1m)
FCF Yield = 12.91% (FCF TTM 990.1m / Enterprise Value 7.67b)
FCF Margin = 52.83% (FCF TTM 990.1m / Revenue TTM 1.87b)
Net Margin = 26.87% (Net Income TTM 503.6m / Revenue TTM 1.87b)
Gross Margin = 46.03% ((Revenue TTM 1.87b - Cost of Revenue TTM 1.01b) / Revenue TTM)
Gross Margin QoQ = 55.88% (prev 45.24%)
Tobins Q-Ratio = 1.35 (Enterprise Value 7.67b / Total Assets 5.67b)
Interest Expense / Debt = 1.33% (Interest Expense 2.98m / Debt 224.4m)
Taxrate = 20.71% (36.2m / 174.8m)
NOPAT = 141.0m (EBIT 177.8m * (1 - 20.71%))
Current Ratio = 0.35 (Total Current Assets 288.0m / Total Current Liabilities 815.9m)
Debt / Equity = 0.11 (Debt 224.4m / totalStockholderEquity, last quarter 1.96b)
Debt / EBITDA = 0.09 (Net Debt 61.0m / EBITDA 650.8m)
Debt / FCF = 0.06 (Net Debt 61.0m / FCF TTM 990.1m)
Total Stockholder Equity = 1.78b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.54% (Net Income 503.6m / Total Assets 5.67b)
RoE = 28.25% (Net Income TTM 503.6m / Total Stockholder Equity 1.78b)
RoCE = 9.09% (EBIT 177.8m / Capital Employed (Equity 1.78b + L.T.Debt 173.4m))
RoIC = 7.12% (NOPAT 141.0m / Invested Capital 1.98b)
WACC = 6.69% (E(7.61b)/V(7.84b) * Re(6.86%) + D(224.4m)/V(7.84b) * Rd(1.33%) * (1-Tc(0.21)))
Discount Rate = 6.86% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -33.33 | Cagr: -0.34%
[DCF] Terminal Value 85.99% ; FCFF base≈975.0m ; Y1≈1.20b ; Y5≈2.05b
[DCF] Fair Price = 2.08k (EV 48.13b - Net Debt 61.0m = Equity 48.07b / Shares 23.2m; r=6.69% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 90.54 | EPS CAGR: 40.34% | SUE: 4.0 | # QB: 15
Revenue Correlation: 97.05 | Revenue CAGR: 30.07% | SUE: 1.10 | # QB: 3
EPS next Quarter (2026-06-30): EPS=5.04 | Chg7d=-0.002 | Chg30d=+0.027 | Revisions Net=+2 | Analysts=11
EPS current Year (2026-12-31): EPS=20.37 | Chg7d=+0.013 | Chg30d=+0.184 | Revisions Net=-4 | Growth EPS=+4.4% | Growth Revenue=+3.8%
EPS next Year (2027-12-31): EPS=22.26 | Chg7d=+0.026 | Chg30d=-0.170 | Revisions Net=-7 | Growth EPS=+9.3% | Growth Revenue=+8.2%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.3% (Discount Rate 7.9% - Earnings Yield 6.6%)
[Growth] Growth Spread = +1.3% (Analyst 2.6% - Implied 1.3%)
Additional Sources for KNSL Stock Fund Manager Positions: Dataroma · Stockcircle