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FAF vs KNSL

FAF
First American Financial Corporation
BULLISH
Price
$70.87
Market Cap
$7.25B
Sector
Financial Services
AI Confidence
85%
KNSL
Kinsale Capital Group, Inc.
NEUTRAL
Price
$329.08
Market Cap
$7.59B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FAF
10.9
KNSL
14.49
Forward P/E
FAF
9.74
KNSL
14.97
P/B Ratio
FAF
1.32
KNSL
3.89
P/S Ratio
FAF
0.94
KNSL
3.96
EV/EBITDA
FAF
5.93
KNSL
11.17

Profitability

Gross Margin
FAF
63.87%
KNSL
29.27%
Operating Margin
FAF
11.08%
KNSL
30.6%
Profit Margin
FAF
8.73%
KNSL
27.48%
ROE
FAF
12.8%
KNSL
29.68%
ROA
FAF
3.94%
KNSL
7.36%

Growth

Revenue Growth
FAF
16.2%
KNSL
10.2%
Earnings Growth
FAF
70.4%
KNSL
27.4%

Financial Health

Debt/Equity
FAF
0.51
KNSL
0.11
Current Ratio
FAF
0.41
KNSL
0.2
Quick Ratio
FAF
0.41
KNSL
0.09

Dividends

Dividend Yield
FAF
3.09%
KNSL
0.3%
Payout Ratio
FAF
33.69%
KNSL
3.35%

AI Verdict

FAF BULLISH

FAF presents a compelling value opportunity, trading significantly below its Graham Number ($88.68) and Intrinsic Value ($191.75). While the Piotroski F-Score of 4/9 indicates stable rather than strong financial health, this is offset by explosive earnings growth of 70.4% YoY and a very attractive P/E ratio of 10.90. Despite a contradictory technical scorecard, recent price action is strongly bullish, trending toward 52-week highs. The company maintains a sustainable dividend profile with a low payout ratio of 33.69%.

Strengths
Significant undervaluation relative to Graham Number ($88.68) and Intrinsic Value ($191.75)
Exceptional earnings growth (70.4% YoY) and strong Q/Q revenue growth (21.74%)
Low P/E ratio (10.90) compared to the broader financial services sector average
Risks
High PEG ratio (2.98) suggests that current growth may be difficult to sustain or is already priced in
Low current ratio (0.41) indicates potential short-term liquidity tightness
Piotroski F-Score of 4/9 suggests mediocre operational efficiency improvements
KNSL NEUTRAL

KNSL presents a dichotomy between strong fundamental profitability and bearish market sentiment, anchored by a stable Piotroski F-Score of 4/9 and a missing Altman Z-Score. While the company maintains an exceptional ROE of 29.68% and a very low Debt/Equity ratio of 0.11, the stock is currently in a severe technical downtrend (0/100) and facing bearish insider activity. The current price of $329.08 sits comfortably between the defensive Graham Number ($207.99) and the growth-based Intrinsic Value ($669.95), suggesting a reasonable valuation despite the price decline. Overall, the company is a high-quality operator currently out of favor with the market.

Strengths
Exceptional Return on Equity (ROE) of 29.68%
Very low leverage with a Debt/Equity ratio of 0.11
Consistent history of earnings beats over 25 quarters
Risks
Severe technical bearishness (0/100 trend score)
Bearish insider sentiment with multiple sales by CFO and Directors
Slowing revenue growth (10.20% YoY) compared to historical trajectories

Compare Another Pair

FAF vs KNSL: Head-to-Head Comparison

This page compares First American Financial Corporation (FAF) and Kinsale Capital Group, Inc. (KNSL) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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