KNSL Stock Analysis: Kinsale Capital | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 7.933m USD | 12M Return: -26.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 109M
EPS Trend: 97.9%
Qual. Beats: 16
Rev. Trend: 98.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 9.9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Kinsale Capital Group, Inc. (KNSL) is a U.S. property and casualty insurer founded in 2009 and headquartered in Richmond, Virginia. The company offers a broad portfolio of commercial lines products-including commercial property, casualty, professional liability, energy, aviation, environmental, and ocean marine coverage-alongside personal lines such as high-value homeowners insurance.
Kinsale distributes its policies exclusively through independent insurance brokers, operating across all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. The independent broker model is widely used in the property and casualty insurance sector, enabling carriers to access specialized and niche risks without the overhead of a captive agency network. The company has been listed on the NYSE since its 2016 IPO and is classified within the Financials sector.
- E&S commercial lines pricing momentum drives premium growth
- Combined ratio stays below 80% on disciplined underwriting
- Higher investment income from rising rates boosts margins
| Net Income: 526.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.16 > 0.02 and ΔFCF/TA -2.16 > 1.0 |
| NWC/Revenue: -32.22% < 20% (prev -43.43%; Δ 11.21% < -1%) |
| CFO/TA 0.17 > 3% & CFO 1.06b > Net Income 526.9m |
| Net Debt (-2.57b) to EBITDA (667.5m): -3.85 < 3 |
| Current Ratio: 0.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.1m) vs 12m ago -1.17% < -2% |
| Gross Margin: 46.64% > 18% (prev 41.55%; Δ 5.08% > 0.5%) |
| Asset Turnover: 33.55% > 50% (prev 31.41%; Δ 2.14% > 0%) |
| Interest Coverage Ratio: 58.68 > 6 (EBIT TTM 661.7m / Interest Expense TTM 11.3m) |
| A: -0.10 (Total Current Assets 3.41b - Total Current Liabilities 4.03b) / Total Assets 6.22b |
| B: 0.29 (Retained Earnings 1.82b / Total Assets 6.22b) |
| C: 0.12 (EBIT TTM 661.7m / Avg Total Assets 5.72b) |
| D: 0.46 (Book Value of Equity 1.97b / Total Liabilities 4.25b) |
| Altman-Z'' = 1.57 = BB |
| DSRI: 0.89 (Receivables 571.8m/549.8m, Revenue 1.92b/1.64b) |
| GMI: 0.89 (GM 41.55% / 46.64%) |
| AQI: 0.93 (AQ_t 0.44 / AQ_t-1 0.47) |
| SGI: 1.17 (Revenue 1.92b / 1.64b) |
| TATA: -0.09 (NI 526.9m - CFO 1.06b) / TA 6.22b) |
| Beneish M = -3.14 (Cap -4..+1) = AA |
As of July 21, 2026, the stock is trading at USD 350.13 with a total of 280,608 shares traded. Over the past week, the price has changed by +1.50%, over one month by +18.67%, over three months by -2.14% and over the past year by -26.28%.
Current recommended Stop Loss: 336.50 (which is 3.9% or 1.2 ATR below the current price).
Kinsale Capital has received a consensus analysts rating of 3.45. Therefore, it is recommended to hold KNSL.
- StrongBuy: 2
- Buy: 1
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 346 | -1.2% |
P/E Trailing = 15.1537
P/E Forward = 16.6389
P/S = 4.1378
P/B = 4.0325
P/EG = 1.1084
Revenue TTM = 1.92b USD
EBIT TTM = 661.7m USD
EBITDA TTM = 667.5m USD
Long Term Debt = 173.5m USD (from longTermDebt, last quarter)
Short Term Debt = 51.0m USD (from shortTermDebt, last quarter)
Debt = 224.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.57b USD (calculated: Debt 224.5m - CCE 2.79b)
Enterprise Value = 5.37b USD (7.93b + Debt 224.5m - CCE 2.79b)
Interest Coverage Ratio = 58.68 (Ebit TTM 661.7m / Interest Expense TTM 11.3m)
EV/FCF = 5.29x (Enterprise Value 5.37b / FCF TTM 1.01b)
FCF Yield = 18.89% (FCF TTM 1.01b / Enterprise Value 5.37b)
FCF Margin = 52.87% (FCF TTM 1.01b / Revenue TTM 1.92b)
Net Margin = 27.48% (Net Income TTM 526.9m / Revenue TTM 1.92b)
Gross Margin = 46.64% ((Revenue TTM 1.92b - Cost of Revenue TTM 1.02b) / Revenue TTM)
Gross Margin QoQ = 39.93% (prev 55.88%)
Tobins Q-Ratio = 0.86 (Enterprise Value 5.37b / Total Assets 6.22b)
Interest Expense / Debt = 5.02% (Interest Expense 11.3m / Debt 224.5m)
Taxrate = 20.36% (134.7m / 661.7m)
NOPAT = 526.9m (EBIT 661.7m * (1 - 20.36%))
Current Ratio = 0.85 (Total Current Assets 3.41b / Total Current Liabilities 4.03b)
Debt / Equity = 0.11 (Debt 224.5m / totalStockholderEquity, last quarter 1.97b)
Debt / EBITDA = -3.85 (Net Debt -2.57b / EBITDA 667.5m)
Debt / FCF = -2.53 (Net Debt -2.57b / FCF TTM 1.01b)
Total Stockholder Equity = 1.88b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.22% (Net Income 526.9m / Total Assets 6.22b)
RoE = 28.05% (Net Income TTM 526.9m / Total Stockholder Equity 1.88b)
RoCE = 32.24% (EBIT 661.7m / Capital Employed (Equity 1.88b + L.T.Debt 173.5m))
RoIC = 24.57% (NOPAT 526.9m / Invested Capital 2.14b)
WACC = 5.82% (E(7.93b)/V(8.16b) * Re(5.87%) + D(224.5m)/V(8.16b) * Rd(5.02%) * (1-Tc(0.20)))
Discount Rate = 5.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.49 | Cagr: -0.50%
[DCF] Terminal Value 76.11% ; FCFF base≈993.5m ; Y1≈1.04b ; Y5≈1.20b
[DCF] Fair Price = 914.2 (EV 18.5b - Net Debt -2.57b = Equity 21.1b / Shares 23.1m; r=8.35% [WACC [floored]]; 5y FCF grow 5.25% → 2.50% )
EPS Correlation: 97.92 | EPS CAGR: 28.42% | SUE: 2.56 | # QB: 16
Revenue Correlation: 98.27 | Revenue CAGR: 25.10% | SUE: -0.20 | # QB: 0
EPS current Quarter (2026-06-30): EPS=5.11 | Chg30d=+0.23% | Revisions=+25% | Analysts=12
EPS next Quarter (2026-09-30): EPS=4.92 | Chg30d=-0.35% | Revisions=-25% | Analysts=11
EPS current Year (2026-12-31): EPS=20.83 | Chg30d=+0.47% | Revisions=+0% | GrowthEPS=+6.7% | GrowthRev=+1.7%
EPS next Year (2027-12-31): EPS=21.68 | Chg30d=-0.19% | Revisions=-40% | GrowthEPS=+4.1% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: -29% (up=1, down=3)