Overview Dividends

(KNSL) Kinsale Capital - Ratings and Ratios

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

Commercial, Excess, Specialty, Property, Casualty

KNSL EPS (Earnings per Share)

EPS Growth (3Y CAGR): 28.76%
EPS Trend (3Y Correlation): 92.4%

KNSL Revenue

Revenue Growth (3Y CAGR): 29.77%
Revenue Trend (3Y Correlation): 98.1%

Description: KNSL Kinsale Capital October 31, 2025

Kinsale Capital Group (NYSE:KNSL) is a U.S.-focused property-and-casualty insurer that underwrites a broad suite of commercial and personal lines, ranging from commercial property and excess casualty to high-value homeowners and specialty coverages such as entertainment, life sciences, and agribusiness. The firm distributes its policies through independent brokers across all 50 states, D.C., Puerto Rico, and the U.S. Virgin Islands, and has operated since its 2009 founding out of Richmond, Virginia.

According to the most recent FY 2023 filing, Kinsale reported net written premiums of approximately $1.3 billion and a combined ratio of 92.5%, indicating underwriting profitability before investment income. The company’s return on equity (ROE) hovered around 12%, and its book-value per share grew roughly 8% year-over-year, reflecting disciplined capital management. A key sector driver for Kinsale is the frequency and severity of natural catastrophes, which can swing loss ratios sharply; meanwhile, a rising interest-rate environment can boost investment yields but also pressure the pricing of long-duration liability lines.

Given the volatility inherent in specialty P&C underwriting, a prudent next step is to compare Kinsale’s risk-adjusted returns and capital efficiency against peers using a tool like ValueRay to see whether the current valuation aligns with its long-term earnings potential.

KNSL Stock Overview

Market Cap in USD	9,826m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	2016-07-28

KNSL Stock Ratings

Growth Rating	22.4%
Fundamental	76.9%
Dividend Rating	62.7%
Return 12m vs S&P 500	-22.1%
Analyst Rating	3.45 of 5

KNSL Dividends

Dividend Yield 12m	0.17%
Yield on Cost 5y	0.34%
Annual Growth 5y	13.62%
Payout Consistency	100.0%
Payout Ratio	2.9%

KNSL Growth Ratios

Growth Correlation 3m	-16.3%
Growth Correlation 12m	-20.5%
Growth Correlation 5y	92.4%
CAGR 5y	7.42%
CAGR/Max DD 3y (Calmar Ratio)	0.21
CAGR/Mean DD 3y (Pain Ratio)	0.54
Sharpe Ratio 12m	0.43
Alpha	-27.78
Beta	1.091
Volatility	44.32%
Current Volume	307.9k
Average Volume 20d	281.8k
Stop Loss	381.6 (-4.5%)
Signal	0.25

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 119.9%; Δ 122.3pp) (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 (-170.2m) to EBITDA (845.0m) ratio: -0.20 <= 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 64.34% (prev 86.95%; Δ -22.61pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 34.13% (prev 32.23%; Δ 1.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 13.81 (EBITDA TTM 845.0m / 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) 76.87

1. Piotroski 4.50pt = -0.50

2. FCF Yield 16.92% = 5.0

3. FCF Margin 53.33% = 7.50

4. Debt/Equity 0.11 = 2.49

5. Debt/Ebitda -0.20 = 2.50

6. ROIC - WACC (= -3.58)% = -4.48

7. RoE 28.50% = 2.37

8. Rev. Trend 98.08% = 7.36

9. EPS Trend 92.40% = 4.62

What is the price of KNSL shares?

As of November 03, 2025, the stock is trading at USD 399.47 with a total of 307,901 shares traded.
Over the past week, the price has changed by -7.50%, over one month by -9.74%, over three months by -10.30% and over the past year by -5.66%.

Is Kinsale Capital a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Kinsale Capital (NYSE:KNSL) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 76.87 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KNSL is around 373.15 USD . This means that KNSL is currently overvalued and has a potential downside of -6.59%.

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	495.6	24.1%
Analysts Target Price	495.6	24.1%
ValueRay Target Price	421.1	5.4%

KNSL Fundamental Data Overview October 26, 2025

Market Cap USD = 9.83b (9.83b USD * 1.0 USD.USD)
P/E Trailing = 20.7456
P/E Forward = 21.1416
P/S = 5.4503
P/B = 5.9862
P/EG = 1.41
Beta = 1.091
Revenue TTM = 1.80b USD
EBIT TTM = 141.2m USD
EBITDA TTM = 845.0m USD
Long Term Debt = 184.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 199.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -170.2m USD (from netDebt column, last quarter)
Enterprise Value = 5.68b USD (9.83b + Debt 199.3m - CCE 4.34b)
Interest Coverage Ratio = 13.81 (Ebit TTM 141.2m / Interest Expense TTM 10.2m)
FCF Yield = 16.92% (FCF TTM 961.5m / Enterprise Value 5.68b)
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 = 64.34% ((Revenue TTM 1.80b - Cost of Revenue TTM 642.9m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 53.74%)
Tobins Q-Ratio = 0.97 (Enterprise Value 5.68b / 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 = -0.20 (Net Debt -170.2m / EBITDA 845.0m)
Debt / FCF = -0.18 (Net Debt -170.2m / 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 = 7.64% (EBIT 141.2m / Capital Employed (Equity 1.66b + L.T.Debt 184.1m))
RoIC = 6.28% (NOPAT 111.8m / Invested Capital 1.78b)
WACC = 9.86% (E(9.83b)/V(10.03b) * Re(10.04%) + D(199.3m)/V(10.03b) * Rd(1.29%) * (1-Tc(0.21)))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.11%
[DCF Debug] Terminal Value 75.23% ; FCFE base≈961.1m ; Y1≈1.19b ; Y5≈2.02b
Fair Price DCF = 1048 (DCF Value 24.38b / Shares Outstanding 23.3m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 92.40 | EPS CAGR: 28.76% | SUE: 4.0 | # QB: 14
Revenue Correlation: 98.08 | Revenue CAGR: 29.77% | SUE: 2.61 | # QB: 2

Additional Sources for KNSL Stock

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