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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2578
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$9.9B
Michael P. Kehoe
Kinsale Capital Group provides property and casualty insurance products in the U.S. It markets and sells its products in all 50 states, the District of Columbia, and the Commonwealth of Puerto Rico. The company was founded in 2009 and is headquartered in Richmond, Virginia.
Headcount
470
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = KNSL ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$KNSL Kinsale Capital Group, Inc. | 46 | 80 | 68 | 18 | 18.1x | 14.7x | 24.5% | 7.9% | 54.0% | 33.2% | 26.4% | 29.4% | 0.2% | 11.0x | $9.9B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Kinsale Capital Group, Inc. (KNSL) receives a "Reduce" rating with a composite score of 46.4/100. It ranks #2578 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
RICHMOND, Virginia
Lagging peers — losers tend to keep underperforming
Trading at a discount to fundamentals — favorable entry valuation
High profitability & efficiency — strong quality floor supports entry
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for KNSL.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 80 | 96 | -16DRAG |
| MOMENTUM | 18 | 11 | +7ALPHA |
| VALUATION | 68 | 91 | -23DRAG |
| INVESTMENT | 26 | 27 | -1NEUTRAL |
| STABILITY | 41 | 36 | +5NEUTRAL |
| SHORT INT | 19 | 5 | +14ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 927.6% vs WACC 9.5% (spread +918.1%)
GM 54% vs sector 78%, OM 33% vs sector 18%
Capital turnover 34.55x
Rev growth 29%, 10yr history
Interest coverage 246.9x, Net debt/EBITDA 0.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Kinsale Capital Group, Inc. (KNSL) as a Reduce with a composite score of 46.4/100 at a current price of $380.82. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Kinsale Capital Group, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 46.4/100 places it at rank #2578 in our full universe.
Wide
Low
Exemplary
Undervalued
Gross margins of 54% signal strong pricing power.
Returns on equity of 24.5% exceed cost of capital.
Value factor score of 68 suggests attractive pricing.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
Kinsale Capital Group, Inc. represents a reduce based on multi-factor quantitative performance.
Kinsale Capital Group, Inc. receives a Reduce rating from our analysis, with a composite score of 46.4/100 and 2 out of 5 stars, ranking #2578 out of 7,333 stocks. KNSL's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
KNSL earns a quality score of 80/100, indicating above-average business quality. The company reports a return on equity of 24.5% (sector avg: 9.0%), gross margins of 54.0% (sector avg: 77.7%), net margins of 26.4% (sector avg: 21.9%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
KNSL's value score of 68/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 18.09x, an EV/EBITDA of 14.73x, a P/B ratio of 4.42x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
Kinsale Capital Group, Inc.'s investment score of 26/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 29.4% vs. a sector average of 10.7% and a return on assets of 7.9% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
Kinsale Capital Group, Inc. is experiencing notably weak momentum with a score of just 18/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at 29.4% year-over-year, while a beta of 0.48 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
KNSL's stability score of 41/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.48 and a debt-to-equity ratio of 11.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
Kinsale Capital Group, Inc.'s short interest score of 19/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 11.00x). At $9.9B (mid-cap), KNSL carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
KNSL offers a modest dividend yield of 0.2%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
Kinsale Capital Group, Inc. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2578 of 7,333 overall (65th percentile). Key comparisons include ROE of 24.5% exceeding the 9.0% sector median and operating margins of 33.2% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While KNSL currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Momentum (18) would have the largest impact on the composite score.
EV/EBITDA 90% ABOVE SECTOR MEDIAN
ROE 172% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 30% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
The Motley Fool, a financial services company, discusses two stocks that could hold up well even if the market drops further. The S&P 500 is about 15% below its 52-week high, and the company's analysts believe these stocks could perform well in a potential market downturn.
Kinsale Capital Group (KNSL) is back in focus after reporting its fourth quarter and full year 2025 results, alongside a new US$250 million share repurchase plan and continued dividends. See our latest analysis for Kinsale Capital Group. The recent earnings beat, new US$250 million buyback authorization and ongoing dividends come against a softer share price backdrop, with a 30 day share price return of an 8.36% decline and a 1 year total shareholder return of a 12.61% decline, while the 5...
Lemonade stock surged 13.9% at open after beating Q4 earnings estimates with 53% revenue growth and improving profitability metrics, but quickly reversed to close down 5% as investors realized the stock was already priced for perfection at 8.9x sales—nearly double competitors. While the company's new Tesla autonomous vehicle insurance product shows promise, it's too early to justify the premium valuation.
Kinsale Capital Group’s fourth quarter was marked by ongoing headwinds in its Commercial Property division, which management attributed to heightened competition and a resulting slowdown in premium growth. CEO Michael Patrick Kehoe explained that while the company’s disciplined underwriting and cost advantages supported margins, the property segment’s performance represented a significant drag on overall growth. Kehoe remarked, “Much of the recent headwind to Kinsale’s overall growth rate is due
Kinsale Capital Group's Q3 earnings disappointed the market, with its gross written premium growth slowing to 19%. However, the company maintained a strong combined ratio of 75.7%, indicating its profitability remains robust. The market's reaction may be justified, but the company's CEO expects long-term growth to settle around 10-20%, and losses from Hurricane Milton in Q4 are expected to be under $10 million.