(KNSL) Kinsale Capital - Overview

Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 8.024m USD | Total Return: -21.4% in 12m

Commercial Insurance, Personal Insurance, Specialty Lines
Total Rating 42
Safety 36
Buy Signal 0.38
Insurance - Property & Casualty
Industry Rotation: -8.4
Market Cap: 8.02B
Avg Turnover: 85.7M USD
ATR: 3.47%
Peers RS (IBD): 7.4
Risk 5d forecast
Volatility38.8%
Rel. Tail Risk-15.7%
Reward TTM
Sharpe Ratio-0.90
Alpha-37.70
Character TTM
Beta0.284
Beta Downside0.435
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

Warnings

No concerns identified

Tailwinds

Pead

Description: KNSL Kinsale Capital

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) 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 April 07, 2026, the stock is trading at USD 345.79 with a total of 193,227 shares traded.
Over the past week, the price has changed by +2.70%, over one month by -7.05%, over three months by -13.67% and over the past year by -21.35%.
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?
Analysts Target Price 407.3 17.8%
Kinsale Capital (KNSL) - Fundamental Data Overview as of 05 April 2026
P/E Trailing = 15.9234
P/E Forward = 16.6945
P/S = 4.2815
P/B = 4.0857
P/EG = 1.1134
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 = 8.08b USD (8.02b + Debt 224.4m - CCE 167.2m)
Interest Coverage Ratio = 16.70 (Ebit TTM 177.8m / Interest Expense TTM 10.6m)
EV/FCF = 8.16x (Enterprise Value 8.08b / FCF TTM 990.1m)
FCF Yield = 12.25% (FCF TTM 990.1m / Enterprise Value 8.08b)
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 = 1.43 (Enterprise Value 8.08b / 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 = 6.82% (E(8.02b)/V(8.25b) * Re(6.98%) + D(224.4m)/V(8.25b) * Rd(1.33%) * (1-Tc(0.21)))
Discount Rate = 6.98% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF] Terminal Value 85.56% ; FCFF base≈975.0m ; Y1≈1.20b ; Y5≈2.05b
[DCF] Fair Price = 2.01k (EV 46.52b - Net Debt 61.0m = Equity 46.46b / Shares 23.2m; r=6.82% [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=-0.003 | Chg30d=-0.002 | Revisions Net=+2 | Analysts=11
EPS current Year (2026-12-31): EPS=20.37 | Chg7d=+0.000 | Chg30d=-0.009 | Revisions Net=-4 | Growth EPS=+4.4% | Growth Revenue=+3.7%
EPS next Year (2027-12-31): EPS=22.25 | Chg7d=-0.014 | Chg30d=-0.026 | Revisions Net=-7 | Growth EPS=+9.2% | Growth Revenue=+8.2%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.6% (Discount Rate 7.9% - Earnings Yield 6.3%)
[Growth] Growth Spread = +0.8% (Analyst 2.4% - Implied 1.6%)
External Resources
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