(KNSL) Kinsale Capital - Ratings and Ratios
Commercial, Casualty, Property, Excess, Specialty
KNSL EPS (Earnings per Share)
KNSL Revenue
Description: KNSL Kinsale Capital
Kinsale Capital Group Inc (NYSE:KNSL) is a property and casualty insurance provider in the United States, offering a diverse range of commercial and personal insurance products through a network of independent brokers across all 50 states and several territories.
The companys commercial lines offerings cater to various industries, including construction, healthcare, and energy, while its personal lines focus on high-value homeowners. This diversified product portfolio allows Kinsale to tap into different market segments, potentially reducing dependence on any single segment and increasing revenue stability.
To evaluate Kinsales performance, key metrics to consider include the loss ratio, expense ratio, and combined ratio, which indicate the companys underwriting profitability. A loss ratio below 60% and a combined ratio below 90% would be indicative of strong underwriting discipline. Additionally, the companys return on equity (RoE) of 28.14% suggests effective utilization of shareholder capital.
Other key performance indicators (KPIs) to monitor include the growth rate of gross written premiums, the level of reinsurance utilization, and the companys investment income yield. A high growth rate in gross written premiums could indicate successful product offerings and effective distribution channels. Reinsurance utilization can impact profitability and capital requirements, while investment income yield reflects the companys ability to generate returns on its invested assets.
From a valuation perspective, Kinsales price-to-earnings (P/E) ratio of 27.93 suggests that the stock may be trading at a premium to its earnings. Comparing this to the industry average and the companys historical P/E ratio can provide context on whether the stock is overvalued or undervalued. Furthermore, analyzing the companys dividend yield and payout ratio can offer insights into its dividend sustainability and attractiveness to income-seeking investors.
KNSL Stock Overview
| Market Cap in USD | 10,312m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2016-07-28 |
KNSL Stock Ratings
| Growth Rating | 51.0% |
| Fundamental | 80.1% |
| Dividend Rating | 62.6% |
| Return 12m vs S&P 500 | -11.9% |
| Analyst Rating | 3.45 of 5 |
KNSL Dividends
| Dividend Yield 12m | 0.14% |
| Yield on Cost 5y | 0.31% |
| Annual Growth 5y | 13.62% |
| Payout Consistency | 100.0% |
| Payout Ratio | 3.8% |
KNSL Growth Ratios
| Growth Correlation 3m | -42% |
| Growth Correlation 12m | -13.2% |
| Growth Correlation 5y | 92.5% |
| CAGR 5y | 19.83% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.57 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.48 |
| Sharpe Ratio 12m | 0.28 |
| Alpha | -14.81 |
| Beta | 1.091 |
| Volatility | 37.25% |
| Current Volume | 156.8k |
| Average Volume 20d | 222.9k |
| Stop Loss | 455.8 (-3%) |
| Signal | -0.18 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (446.7m TTM) > 0 and > 6% of Revenue (6% = 103.4m TTM) |
| FCFTA 0.17 (>2.0%) and ΔFCFTA -5.78pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 239.4% (prev -76.62%; Δ 316.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.18 (>3.0%) and CFO 985.9m > Net Income 446.7m (YES >=105%, WARN >=100%) |
| Net Debt (46.2m) to EBITDA (810.5m) ratio: 0.06 <= 3.0 (WARN <= 3.5) |
| Current Ratio 42.62 (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 -0.16% (target <= -2.0% for YES) |
| Gross Margin 51.08% (prev 91.51%; Δ -40.43pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 35.94% (prev 35.24%; Δ 0.70pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 27.57 (EBITDA TTM 810.5m / Interest Expense TTM 10.2m) >= 6 (WARN >= 3) |
Altman Z'' 6.49
| (A) 0.74 = (Total Current Assets 4.22b - Total Current Liabilities 99.1m) / Total Assets 5.56b |
| (B) 0.26 = Retained Earnings (Balance) 1.44b / Total Assets 5.56b |
| (C) 0.06 = EBIT TTM 282.4m / Avg Total Assets 4.80b |
| (D) 0.36 = Book Value of Equity 1.39b / Total Liabilities 3.83b |
| Total Rating: 6.49 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 80.08
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 11.25% = 5.0 |
| 3. FCF Margin 54.55% = 7.50 |
| 4. Debt/Equity 0.11 = 2.49 |
| 5. Debt/Ebitda 0.06 = 2.50 |
| 6. ROIC - WACC (= 3.05)% = 3.81 |
| 7. RoE 28.71% = 2.39 |
| 8. Rev. Trend 97.77% = 7.33 |
| 9. EPS Trend -19.01% = -0.95 |
What is the price of KNSL shares?
Over the past week, the price has changed by -0.97%, over one month by +8.86%, over three months by -4.04% and over the past year by -0.36%.
Is Kinsale Capital a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KNSL is around 461.06 USD . This means that KNSL is currently overvalued and has a potential downside of -1.89%.
Is KNSL a buy, sell or hold?
- 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 | 499.4 | 6.3% |
| Analysts Target Price | 499.4 | 6.3% |
| ValueRay Target Price | 520.4 | 10.7% |
Last update: 2025-10-04 03:55
KNSL Fundamental Data Overview
P/E Trailing = 23.0981
P/E Forward = 21.1416
P/S = 5.9833
P/B = 5.9862
P/EG = 1.41
Beta = 1.091
Revenue TTM = 1.72b USD
EBIT TTM = 282.4m USD
EBITDA TTM = 810.5m USD
Long Term Debt = 184.3m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 184.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 46.2m USD (from netDebt column, last quarter)
Enterprise Value = 8.36b USD (10.31b + Debt 184.3m - CCE 2.14b)
Interest Coverage Ratio = 27.57 (Ebit TTM 282.4m / Interest Expense TTM 10.2m)
FCF Yield = 11.25% (FCF TTM 940.1m / Enterprise Value 8.36b)
FCF Margin = 54.55% (FCF TTM 940.1m / Revenue TTM 1.72b)
Net Margin = 25.92% (Net Income TTM 446.7m / Revenue TTM 1.72b)
Gross Margin = 51.08% ((Revenue TTM 1.72b - Cost of Revenue TTM 843.1m) / Revenue TTM)
Gross Margin QoQ = 53.74% (prev 44.97%)
Tobins Q-Ratio = 1.50 (Enterprise Value 8.36b / Total Assets 5.56b)
Interest Expense / Debt = 1.39% (Interest Expense 2.56m / Debt 184.3m)
Taxrate = 20.30% (34.2m / 168.3m)
NOPAT = 225.1m (EBIT 282.4m * (1 - 20.30%))
Current Ratio = 42.62 (Total Current Assets 4.22b / Total Current Liabilities 99.1m)
Debt / Equity = 0.11 (Debt 184.3m / totalStockholderEquity, last quarter 1.72b)
Debt / EBITDA = 0.06 (Net Debt 46.2m / EBITDA 810.5m)
Debt / FCF = 0.05 (Net Debt 46.2m / FCF TTM 940.1m)
Total Stockholder Equity = 1.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.04% (Net Income 446.7m / Total Assets 5.56b)
RoE = 28.71% (Net Income TTM 446.7m / Total Stockholder Equity 1.56b)
RoCE = 16.23% (EBIT 282.4m / Capital Employed (Equity 1.56b + L.T.Debt 184.3m))
RoIC = 12.93% (NOPAT 225.1m / Invested Capital 1.74b)
WACC = 9.88% (E(10.31b)/V(10.50b) * Re(10.04%) + D(184.3m)/V(10.50b) * Rd(1.39%) * (1-Tc(0.20)))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.06%
[DCF Debug] Terminal Value 75.23% ; FCFE base≈930.4m ; Y1≈1.15b ; Y5≈1.96b
Fair Price DCF = 1013 (DCF Value 23.61b / Shares Outstanding 23.3m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -19.01 | EPS CAGR: -53.50% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.77 | Revenue CAGR: 32.44% | SUE: 1.88 | # QB: 1
Additional Sources for KNSL Stock
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Fund Manager Positions: Dataroma | Stockcircle