(KNSL) Kinsale Capital - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US49714P1084
Stock: Commercial Insurance, Personal Insurance, Specialty Lines
Total Rating 35
Risk 39
Buy Signal -0.31
| Risk 5d forecast | |
|---|---|
| Volatility | 41.8% |
| Relative Tail Risk | -18.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.31 |
| Alpha | -20.22 |
| Character TTM | |
|---|---|
| Beta | 0.238 |
| Beta Downside | 0.823 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.12% |
| CAGR/Max DD | 0.21 |
EPS (Earnings per Share)
Revenue
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.
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 4560 % > 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 06, 2026, the stock is trading at USD 378.49 with a total of 119,388 shares traded.
Over the past week, the price has changed by -1.04%, over one month by -7.72%, over three months by +6.23% and over the past year by -13.37%.
Over the past week, the price has changed by -1.04%, over one month by -7.72%, over three months by +6.23% and over the past year by -13.37%.
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 from current |
|---|---|---|
| Wallstreet Target Price | 422.4 | 11.6% |
| Analysts Target Price | 422.4 | 11.6% |
KNSL Fundamental Data Overview March 04, 2026
P/E Trailing = 18.3162
P/E Forward = 19.0114
P/S = 4.9181
P/B = 4.626
P/EG = 1.2669
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 = 9.27b USD (9.22b + Debt 224.4m - CCE 167.2m)
Interest Coverage Ratio = 16.70 (Ebit TTM 177.8m / Interest Expense TTM 10.6m)
EV/FCF = 9.37x (Enterprise Value 9.27b / FCF TTM 990.1m)
FCF Yield = 10.68% (FCF TTM 990.1m / Enterprise Value 9.27b)
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 = 1.64 (Enterprise Value 9.27b / 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 = 6.65% (E(9.22b)/V(9.44b) * Re(6.79%) + D(224.4m)/V(9.44b) * Rd(1.33%) * (1-Tc(0.21)))
Discount Rate = 6.79% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.34%
[DCF] Terminal Value 85.78% ; FCFF base≈975.0m ; Y1≈1.20b ; Y5≈2.05b
[DCF] Fair Price = 2046 (EV 47.43b - Net Debt 61.0m = Equity 47.37b / Shares 23.2m; r=6.65% [WACC]; 5y FCF grow 25.0% → 2.90% )
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=+0.027 | Chg30d=-0.082 | Revisions Net=-5 | Analysts=12
EPS current Year (2026-12-31): EPS=20.38 | Chg7d=+0.193 | Chg30d=-0.205 | Revisions Net=-4 | Growth EPS=+4.5% | Growth Revenue=+3.8%
EPS next Year (2027-12-31): EPS=22.27 | Chg7d=-0.157 | Chg30d=-0.673 | Revisions Net=-6 | Growth EPS=+9.3% | Growth Revenue=+9.4%
[Analyst] Revisions Ratio: -0.56 (2 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.5% (Discount Rate 7.9% - Earnings Yield 5.5%)
[Growth] Growth Spread = +0.3% (Analyst 2.8% - Implied 2.5%)
P/E Forward = 19.0114
P/S = 4.9181
P/B = 4.626
P/EG = 1.2669
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 = 9.27b USD (9.22b + Debt 224.4m - CCE 167.2m)
Interest Coverage Ratio = 16.70 (Ebit TTM 177.8m / Interest Expense TTM 10.6m)
EV/FCF = 9.37x (Enterprise Value 9.27b / FCF TTM 990.1m)
FCF Yield = 10.68% (FCF TTM 990.1m / Enterprise Value 9.27b)
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 = 1.64 (Enterprise Value 9.27b / 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 = 6.65% (E(9.22b)/V(9.44b) * Re(6.79%) + D(224.4m)/V(9.44b) * Rd(1.33%) * (1-Tc(0.21)))
Discount Rate = 6.79% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.34%
[DCF] Terminal Value 85.78% ; FCFF base≈975.0m ; Y1≈1.20b ; Y5≈2.05b
[DCF] Fair Price = 2046 (EV 47.43b - Net Debt 61.0m = Equity 47.37b / Shares 23.2m; r=6.65% [WACC]; 5y FCF grow 25.0% → 2.90% )
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=+0.027 | Chg30d=-0.082 | Revisions Net=-5 | Analysts=12
EPS current Year (2026-12-31): EPS=20.38 | Chg7d=+0.193 | Chg30d=-0.205 | Revisions Net=-4 | Growth EPS=+4.5% | Growth Revenue=+3.8%
EPS next Year (2027-12-31): EPS=22.27 | Chg7d=-0.157 | Chg30d=-0.673 | Revisions Net=-6 | Growth EPS=+9.3% | Growth Revenue=+9.4%
[Analyst] Revisions Ratio: -0.56 (2 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.5% (Discount Rate 7.9% - Earnings Yield 5.5%)
[Growth] Growth Spread = +0.3% (Analyst 2.8% - Implied 2.5%)