Kinsale Capital Group KNSL
United StatesFinancial Services · Insurance - Property & CasualtyUSD
350.56 USD (+6.0%)
9 analysts
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Kinsale Capital Group is a specialty excess & surplus lines insurer in the United States, providing coverage for complex and high-value risks that standard insurers do not cover, with a focus on disciplined underwriting and proprietary technology.
Key points
from its scores- ✓High-quality business9.0
- ✓Very solid balance sheet8.8
- ✓Strong growth8.2
- ✕Poor share-price trend1.5
- ✕Little or no dividend2.1
AI analysis
bottom line, main risk, context and newsBusiness quality and growth justify the premium, but negative momentum suggests waiting for a better entry point.
Kinsale Capital shows exceptional profitability with a 30.27% ROE and 40.68% operating margins, backed by 34% earnings growth. Its valuation is reasonable (13.42 P/E) and its balance sheet is solid, although negative momentum (-23.19%) and low dividend yield (0.30%) are weaknesses.
The main risk is a potential normalization of the pricing cycle in the excess & surplus insurance market, which could compress margins and growth if competition intensifies.
Context and risks
Kinsale Capital is a specialty excess & surplus insurer in the US with a niche, highly profitable business model. No specific regulatory, geopolitical, or business model risks are identified that are not already reflected in its risk profile. Its interest rate exposure is limited and its balance sheet is strong, with a 30.27% ROE.
Is Kinsale Capital Group stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 49% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 13.4 | 13.7 | −2% |
| EV / EBITDA | 10.3 | 10.1 | +2% |
| Price / book | 3.7 | 1.9 | +100% |
| Price / sales | 3.8 | 3.5 | +9% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.3 out of 10 (median for Financial Services: 5.2).
Average analyst target: 350.56 USD, +6.0% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 9.0 (sector 8.8), Growth 8.2 (sector 6.9).
Classic formulas with standard assumptions (0.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 13.4
- Forward P/E
- 15.2
- EV / EBITDA
- 10.3
- Price / book
- 3.7
- Price / sales
- 3.8
- PEG
- 1.00
- Market cap
- 7.5B USD
- Enterprise value
- 7.5B USD
Profitability
- ROE
- 30.3%
- ROA
- 7.6%
- ROIC (approx.)
- 35.9%
- Gross margin
- 31.1%
- Operating margin
- 40.7%
- Net margin
- 28.5%
- Free cash flow
- 982.1M USD
- FCF yield
- 13.0%
- Cash conversion
- 134%
Solvency
- Total debt
- 224.5M USD
- Net debt
- 14.0M USD
- Cash
- 210.5M USD
- EBITDA
- 732.3M USD
- Net debt / EBITDA
- 0.02
- Debt / equity
- 11.03
- Current ratio
- 0.19
- Quick ratio
- 0.09
Growth
- Revenue growth
- +16.8%
- Earnings growth
- +34.0%
- EPS (TTM)
- 24.65 USD
- EPS (forward)
- 21.71 USD
Dividend
- Dividend yield
- 0.3%
- Payout
- 3.4%
Risk and market
- Beta
- 0.87
- Analyst consensus
- Hold (9)
- Target price
- 350.56 USD
- 52-week range
- 287.20 – 480.49
Recent news
All KNSL news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Kinsale Capital Group
Is Kinsale Capital Group stock cheap or expensive?
On P/E and Price / book, it trades 49% above the Financial Services median on average. Valuation score: 5.3 out of 10 (median for Financial Services: 5.2). Average analyst target: 350.56 USD, +6.0% versus the price. This is not investment advice.
What score does Kinsale Capital Group get on MeridIAn Screener?
It scores 6.5 out of 10, rank 546 of 2,130 (better than 72% of the companies analysed). Its strongest category is Quality / Moat (9.0) and its weakest, Momentum (1.5). Analysis of 08/10/2026.
What is Kinsale Capital Group's P/E ratio?
Its P/E is 13.4: the share price equals 13.4 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 15.2.
How much is Kinsale Capital Group worth on the stock market?
Its market capitalisation is 7.5B USD.
Does Kinsale Capital Group pay a dividend?
Yes: its dividend yield is 0.30% and it pays out 3% of its earnings.
How has Kinsale Capital Group stock performed over the last year?
It has fallen 29.4% over the last year, excluding dividends. Over the last 52 weeks it has traded between 287.20 and 480.49 USD. Past performance does not guarantee future results.
What do analysts think of Kinsale Capital Group?
9 analysts cover it; their average recommendation is “Hold” and their average target is 350.56 USD (+6.0% versus the price). It is an estimate, not market data.