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

EPS (Earnings per Share)

EPS CAGR: 28.76%
EPS Trend: 92.4%

Last SUE: 2.79σ
Qual. Beats: 14

Revenue

Revenue CAGR: 29.77%
Revenue Trend: 98.1%

Last SUE: 2.61σ
Qual. Beats: 2

Risk via 10d forecast
Volatility	38.3%
Value at Risk 5%th	53.8%
Relative Tail Risk	-14.54%

Reward TTM
Sharpe Ratio	-0.62
Alpha	-30.46

Character TTM
Hurst Exponent	0.607
Beta	0.542
Beta Downside	0.411

Drawdowns 3y
Max DD	34.67%
Mean DD	13.79%
Median DD	13.73%

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	9,202m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	2016-07-28
Return 12m vs S&P 500	-33.8%
Analyst Rating	3.45 of 5

KNSL Dividends

Metric	Value
Dividend Yield	0.17%
Yield on Cost 5y	0.28%
Yield CAGR 5y	13.62%
Payout Consistency	100.0%
Payout Ratio	3.7%

KNSL Growth Ratios

Metric	Value
CAGR 3y	8.14%
CAGR/Max DD Calmar Ratio	0.23
CAGR/Mean DD Pain Ratio	0.59
Current Volume	212.2k
Average Volume	239.3k

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 (29.2m) to EBITDA (608.4m) ratio: 0.05 <= 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 43.08% (prev 86.95%; Δ -43.87pp) >=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 608.4m / 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) 79.06

1. Piotroski 4.50pt

2. FCF Yield 13.64%

3. FCF Margin 53.33%

4. Debt/Equity 0.11

5. Debt/Ebitda 0.05

6. ROIC - WACC (= -1.82)%

7. RoE 28.50%

8. Rev. Trend 98.08%

9. EPS Trend 92.40%

What is the price of KNSL shares?

As of November 25, 2025, the stock is trading at USD 379.15 with a total of 212,189 shares traded.
Over the past week, the price has changed by -2.67%, over one month by -10.23%, over three months by -15.55% and over the past year by -25.01%.

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	470.9	24.2%
Analysts Target Price	470.9	24.2%
ValueRay Target Price	365	-3.7%

KNSL Fundamental Data Overview November 20, 2025

Market Cap USD = 9.20b (9.20b USD * 1.0 USD.USD)
P/E Trailing = 19.4164
P/E Forward = 18.7266
P/S = 5.1041
P/B = 4.8584
P/EG = 1.2476
Beta = 0.952
Revenue TTM = 1.80b USD
EBIT TTM = 141.2m USD
EBITDA TTM = 608.4m USD
Long Term Debt = 199.3m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 199.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 29.2m USD (from netDebt column, last quarter)
Enterprise Value = 7.05b USD (9.20b + Debt 199.3m - CCE 2.35b)
Interest Coverage Ratio = 13.81 (Ebit TTM 141.2m / Interest Expense TTM 10.2m)
FCF Yield = 13.64% (FCF TTM 961.5m / Enterprise Value 7.05b)
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 = 43.08% ((Revenue TTM 1.80b - Cost of Revenue TTM 1.03b) / Revenue TTM)
Gross Margin QoQ = 45.24% (prev 45.28%)
Tobins Q-Ratio = 1.21 (Enterprise Value 7.05b / 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 = 0.05 (Net Debt 29.2m / EBITDA 608.4m)
Debt / FCF = 0.03 (Net Debt 29.2m / 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 = 7.58% (EBIT 141.2m / Capital Employed (Equity 1.66b + L.T.Debt 199.3m))
RoIC = 6.04% (NOPAT 111.8m / Invested Capital 1.85b)
WACC = 7.86% (E(9.20b)/V(9.40b) * Re(8.01%) + D(199.3m)/V(9.40b) * Rd(1.29%) * (1-Tc(0.21)))
Discount Rate = 8.01% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.11%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈961.1m ; Y1≈1.19b ; Y5≈2.02b
Fair Price DCF = 1479 (DCF Value 34.41b / Shares Outstanding 23.3m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 92.40 | EPS CAGR: 28.76% | SUE: 2.79 | # QB: 14
Revenue Correlation: 98.08 | Revenue CAGR: 29.77% | SUE: 2.61 | # QB: 2

Additional Sources for KNSL Stock

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