KNSL Stock Analysis: Kinsale Capital | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 7.620m USD | 12M Return: -28.9% | US49714P1084 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 73.5M
EPS Trend: 99.2%
Qual. Beats: 16
Rev. Trend: 98.4%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.2 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. (NYSE: KNSL) is a U.S. property and casualty insurer founded in 2009 and headquartered in Richmond, Virginia. The company writes a broad portfolio of commercial lines products spanning property, casualty, professional liability, environmental, construction, energy, aviation, marine, and other specialty classes, alongside personal lines offerings that include high-value homeowners coverage. Policies are distributed across all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, primarily through independent insurance brokers.
The business operates within the Financials sector and the Property & Casualty Insurance sub-industry, with its emphasis on specialty and excess lines (such as excess casualty and excess professional) positioning it within the excess and surplus (E&S) segment of the U.S. insurance market. Kinsales reliance on independent brokers rather than captive agents reflects a distribution model commonly used by specialty insurers to source complex or non-standard risks from a wide agent and broker base.
- Gross written premium growth sustains double-digit expansion across specialty lines
- Combined ratio remains best-in-class below 80% on disciplined underwriting
- Investment income surges on elevated yields and growing cash float
| Net Income: 568.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.16 > 0.02 and ΔFCF/TA -1.35 > 1.0 |
| NWC/Revenue: -28.48% < 20% (prev -49.06%; Δ 20.58% < -1%) |
| CFO/TA 0.16 > 3% & CFO 1.04b > Net Income 568.7m |
| Net Debt (14.0m) to EBITDA (731.0m): 0.02 < 3 |
| Current Ratio: 0.41 > 1.5 & < 3 |
| Outstanding Shares: last quarter (22.8m) vs 12m ago -2.17% < -2% |
| Gross Margin: 50.05% > 18% (prev 42.68%; Δ 7.37% > 0.5%) |
| Asset Turnover: 33.31% > 50% (prev 31.02%; Δ 2.29% > 0%) |
| Interest Coverage Ratio: 60.23 > 6 (EBIT TTM 725.2m / Interest Expense TTM 12.0m) |
| A: -0.09 (Total Current Assets 392.0m - Total Current Liabilities 960.5m) / Total Assets 6.43b |
| B: 0.31 (Retained Earnings 1.99b / Total Assets 6.43b) |
| C: 0.12 (EBIT TTM 725.2m / Avg Total Assets 5.99b) |
| D: 0.46 (Book Value of Equity 2.04b / Total Liabilities 4.39b) |
| Altman-Z'' = 1.73 = BBB |
| DSRI: 0.22 (Receivables 148.0m/586.6m, Revenue 2.00b/1.72b) |
| GMI: 0.85 (GM 42.68% / 50.05%) |
| AQI: 1.94 (AQ_t 0.93 / AQ_t-1 0.48) |
| SGI: 1.16 (Revenue 2.00b / 1.72b) |
| TATA: -0.07 (NI 568.7m - CFO 1.04b) / TA 6.43b) |
| Beneish M = -3.14 (Cap -4..+1) = AA |
As of October 09, 2026, the stock is trading at USD 339.65 with a total of 207,306 shares traded. Over the past week, the price has changed by +1.53%, over one month by -7.53%, over three months by -1.76% and over the past year by -28.91%.
Current recommended Stop Loss: 313.90 (which is 7.6% or 2.7 ATR below the current price).
Kinsale Capital has received a consensus analysts rating of 2.83. Therefore, it is recommended to hold KNSL.
- StrongBuy: 1
- Buy: 0
- Hold: 9
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 355.3 | 4.6% |
P/E Trailing = 13.5712
P/E Forward = 15.1057
P/S = 3.8177
P/B = 3.7986
P/EG = 1.0076
Revenue TTM = 2.00b USD
EBIT TTM = 725.2m USD
EBITDA TTM = 731.0m USD
Long Term Debt = 173.5m USD (from longTermDebt, last quarter)
Short Term Debt = 51.0m USD (from shortLongTermDebt, last quarter)
Debt = 224.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 14.0m USD (calculated: Debt 224.5m - CCE 210.5m)
Enterprise Value = 7.63b USD (7.62b + Debt 224.5m - CCE 210.5m)
Interest Coverage Ratio = 60.23 (Ebit TTM 725.2m / Interest Expense TTM 12.0m)
EV/FCF = 7.63x (Enterprise Value 7.63b / FCF TTM 1.00b)
FCF Yield = 13.11% (FCF TTM 1.00b / Enterprise Value 7.63b)
FCF Margin = 50.14% (FCF TTM 1.00b / Revenue TTM 2.00b)
Net Margin = 28.49% (Net Income TTM 568.7m / Revenue TTM 2.00b)
Gross Margin = 50.05% ((Revenue TTM 2.00b - Cost of Revenue TTM 996.9m) / Revenue TTM)
Gross Margin QoQ = 57.90% (prev 39.93%)
Tobins Q-Ratio = 1.19 (Enterprise Value 7.63b / Total Assets 6.43b)
Interest Expense / Debt = 5.36% (Interest Expense 12.0m / Debt 224.5m)
Taxrate = 20.26% (144.5m / 713.2m)
NOPAT = 578.3m (EBIT 725.2m * (1 - 20.26%))
Current Ratio = 0.41 (Total Current Assets 392.0m / Total Current Liabilities 960.5m)
Debt / Equity = 0.11 (Debt 224.5m / totalStockholderEquity, last quarter 2.04b)
Debt / EBITDA = 0.02 (Net Debt 14.0m / EBITDA 731.0m)
Debt / FCF = 0.01 (Net Debt 14.0m / FCF TTM 1.00b)
Total Stockholder Equity = 1.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.49% (Net Income 568.7m / Total Assets 6.43b)
RoE = 29.06% (Net Income TTM 568.7m / Total Stockholder Equity 1.96b)
RoCE = 34.04% (EBIT 725.2m / Capital Employed (Equity 1.96b + L.T.Debt 173.5m))
RoIC = 10.67% (NOPAT 578.3m / Invested Capital 5.42b)
WACC = 4.95% (E(7.62b)/V(7.84b) * Re(4.97%) + D(224.5m)/V(7.84b) * Rd(5.36%) * (1-Tc(0.20)))
Discount Rate = 4.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.25 | Cagr: -1.05%
[DCF] Terminal Value 76.25% ; FCFF base≈976.5m ; Y1≈1.03b ; Y5≈1.21b
[DCF] Fair Price = 819.8 (EV 18.7b - Net Debt 14.0m = Equity 18.7b / Shares 22.8m; r=8.35% [WACC [floored]]; 5y FCF grow 6.45% → 2.50% )
EPS Correlation: 99.24 | EPS CAGR: 25.05% | SUE: 3.20 | # QB: 16
Revenue Correlation: 98.39 | Revenue CAGR: 22.29% | SUE: 3.58 | # QB: 1
EPS current Quarter (2026-09-30): EPS=4.97 | Chg30d=+0.62% | Revisions=+25% | Analysts=12
EPS current Year (2026-12-31): EPS=21.19 | Chg30d=+0.28% | Revisions=+67% | GrowthEPS=+8.6% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=21.73 | Chg30d=+0.39% | Revisions=+0% | GrowthEPS=+2.5% | GrowthRev=+1.1%
[Analyst] Revisions Ratio: +38% (up=22, down=9)