(KNSL) Kinsale Capital - Ratings and Ratios
Property, Casualty, Commercial, Personal, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.16% |
| Yield on Cost 5y | 0.35% |
| Yield CAGR 5y | 11.50% |
| Payout Consistency | 100.0% |
| Payout Ratio | 3.7% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 37.9% |
| Value at Risk 5%th | 52.3% |
| Relative Tail Risk | -16.14% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.12 |
| Alpha | -17.05 |
| CAGR/Max DD | 0.42 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.427 |
| Beta | 0.511 |
| Beta Downside | 0.358 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.12% |
| Mean DD | 14.67% |
| Median DD | 14.75% |
Description: KNSL Kinsale Capital January 03, 2026
Kinsale Capital Group (NYSE:KNSL) is a U.S.-based property and casualty insurer that underwrites a broad suite of commercial lines-including construction, energy, professional liability, and agribusiness-as well as high-value personal lines such as luxury homeowners. The firm distributes its products through an independent broker network across all 50 states, DC, Puerto Rico, and the U.S. Virgin Islands. Founded in 2009 and headquartered in Richmond, Virginia, Kinsale focuses on niche, higher-margin segments within the P&C market.
Recent performance metrics (FY 2023) show a combined ratio of roughly 85%, indicating underwriting profitability, and net written premiums of about $1.2 billion, up 7% year-over-year. The company generated a return on equity near 12% and posted earnings per share growth of 15% versus the prior year, reflecting both disciplined underwriting and a modest investment-income boost from a higher-interest-rate environment.
Key drivers for Kinsale’s outlook include: (1) the frequency and severity of natural catastrophes, which can compress loss ratios in its commercial property lines; (2) inflation in construction and labor costs, raising claim severities but also allowing for premium price-adjustments; and (3) the broader macro-trend of rising interest rates, which improves investment yields but may increase policyholder lapse rates in price-sensitive segments.
For a deeper, data-rich analysis of Kinsale’s valuation and risk profile, you may find the free research tools on ValueRay useful.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 474.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.16 > 0.02 and ΔFCF/TA -3.82 > 1.0 |
| NWC/Revenue: 242.2% < 20% (prev 119.8%; Δ 122.4% < -1%) |
| CFO/TA 0.17 > 3% & CFO 1.02b > Net Income 474.1m |
| Net Debt (29.2m) to EBITDA (608.4m): 0.05 < 3 |
| Current Ratio: 45.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (23.3m) vs 12m ago -0.27% < -2% |
| Gross Margin: 43.08% > 18% (prev 0.43%; Δ 4265 % > 0.5%) |
| Asset Turnover: 34.13% > 50% (prev 32.26%; Δ 1.87% > 0%) |
| Interest Coverage Ratio: 13.81 > 6 (EBITDA TTM 608.4m / Interest Expense TTM 10.2m) |
Altman Z'' (< 1.1 .. > 2.6) 6.38
| A: 0.75 (Total Current Assets 4.47b - Total Current Liabilities 99.1m) / Total Assets 5.83b |
| B: 0.27 (Retained Earnings 1.58b / Total Assets 5.83b) |
| C: 0.03 (EBIT TTM 141.2m / Avg Total Assets 5.28b) |
| D: 0.39 (Book Value of Equity 1.55b / Total Liabilities 3.97b) |
| Altman-Z'' Score: 6.38 = AAA |
ValueRay F-Score (Strict, 0-100) 76.52
| 1. Piotroski: 5.50pt |
| 2. FCF Yield: 13.46% |
| 3. FCF Margin: 53.33% |
| 4. Debt/Equity: 0.11 |
| 5. Debt/Ebitda: 0.05 |
| 6. ROIC - WACC: -1.62% |
| 7. RoE: 28.50% |
| 8. Revenue Trend: 97.94% |
| 9. EPS Trend: 16.58% |
What is the price of KNSL shares?
Over the past week, the price has changed by +2.00%, over one month by +2.01%, over three months by -9.93% and over the past year by -7.09%.
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 | 457.8 | 12.4% |
| Analysts Target Price | 457.8 | 12.4% |
| ValueRay Target Price | 447.9 | 9.9% |
KNSL Fundamental Data Overview January 21, 2026
P/E Forward = 19.2308
P/S = 5.1546
P/B = 4.9744
P/EG = 1.2811
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 = 7.14b USD (9.29b + Debt 199.3m - CCE 2.35b)
Interest Coverage Ratio = 13.81 (Ebit TTM 141.2m / Interest Expense TTM 10.2m)
EV/FCF = 7.43x (Enterprise Value 7.14b / FCF TTM 961.5m)
FCF Yield = 13.46% (FCF TTM 961.5m / Enterprise Value 7.14b)
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 = 1.22 (Enterprise Value 7.14b / 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 = 8.97% (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 = 7.66% (E(9.29b)/V(9.49b) * Re(7.80%) + D(199.3m)/V(9.49b) * Rd(1.29%) * (1-Tc(0.21)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.11%
[DCF Debug] Terminal Value 82.38% ; FCFF base≈961.1m ; Y1≈1.19b ; Y5≈2.02b
Fair Price DCF = 1574 (EV 36.66b - Net Debt 29.2m = Equity 36.63b / Shares 23.3m; r=7.66% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 16.58 | EPS CAGR: -37.39% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.94 | Revenue CAGR: 30.45% | SUE: 2.61 | # QB: 2
EPS next Quarter (2026-03-31): EPS=4.71 | Chg30d=-0.060 | Revisions Net=+2 | Analysts=10
EPS next Year (2026-12-31): EPS=20.58 | Chg30d=-0.026 | Revisions Net=-1 | Growth EPS=+8.6% | Growth Revenue=+8.0%
Additional Sources for KNSL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle