KNSL

NEUTRAL

$329.08 Live

Kinsale Capital Group, Inc. · NYSE

Target $361.67 (+9.9%)

$321.97 52W Range $512.76

KNSL Kinsale Capital Group, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

KNSL Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Insurance - Property & Casualty

Current Price Live

$329.08

Analyst Target

$361.67

+9.9% Upside

52W High

$512.76

52W Low

$321.97

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026

Market cap

$7.59B

P/E

14.49

ROE

29.7%

Profit margin

27.5%

Debt/Equity

0.11

Dividend yield

0.3%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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

Attractive P/E ratio of 14.49 relative to growth profile

Strong profit margins (27.48%) and operating efficiency

Key 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

Significant 1-year price depreciation of -22.3%

Low current ratio (0.20), though typical for the insurance industry

AI Fair Value Estimate

Based on comprehensive analysis

$385.5

+17.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Fundamental Quality vs. Technical Decay

Key drivers: High ROE, Low Debt, Technical Downtrend, Insider Selling

Confidence

90%

Value

75/100

Ref P/E, PEG, Graham Number

Positives

P/E of 14.49 is modest
PEG ratio of 1.11 suggests fair pricing for growth

Watchpoints

Trading significantly above Graham Number ($207.99)

Future

65/100

Ref Growth rates

Positives

Strong earnings growth (27.40% YoY)
Consistent EPS surprise track record

Watchpoints

Revenue growth slowing to 10.20%

Past

80/100

Ref Historical trends

Positives

Long-term 5Y change of +92.2%
Exceptional 25-quarter earnings beat history

Watchpoints

Poor 1Y and 6M price performance

Health

60/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Very low Debt/Equity (0.11)

Watchpoints

Piotroski F-Score of 4/9 is only 'Stable', not 'Strong'

Dividend

30/100

Ref Yield, Payout

Positives

Very low payout ratio (3.35%) indicates sustainability

Watchpoints

Negligible dividend yield (0.30%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$329.08

Analyst Target

$361.67

Upside/Downside

+9.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for KNSL and closest competitors.

Updated 2026-04-28

Company	5Y	3Y	1Y	6M	1M	1W
KNSL Kinsale Capital Group, Inc. Primary	+92.2%	+1.2%	-22.3%	-21.6%	-2.3%	-8.3%
HUT Hut 8 Corp. Peer	+85.1%	+567.5%	+463.4%	+51.7%	+29.3%	+37.4%
FAF First American Financial Corporation Peer	+29.8%	+40.7%	+17.2%	+13.1%	+21.4%	+7.4%
JHG Janus Henderson Group plc Peer	+87.9%	+126.0%	+60.2%	+15.1%	+0.4%	+0.1%
AXS AXIS Capital Holdings Limited Peer	+139.7%	+87.3%	+17.7%	+5.2%	-6.3%	+2.1%

KNS

Kinsale Capital Group, Inc.

Primary

+92.2%

+1.2%

-22.3%

-21.6%

-2.3%

-8.3%

HUT

Hut 8 Corp.

Peer

+85.1%

+567.5%

+463.4%

+51.7%

+29.3%

+37.4%

FAF

First American Financial Corporation

Peer

+29.8%

+40.7%

+17.2%

+13.1%

+21.4%

+7.4%

JHG

Janus Henderson Group plc

Peer

+87.9%

+126.0%

+60.2%

+15.1%

+0.4%

+0.1%

AXS

AXIS Capital Holdings Limited

Peer

+139.7%

+87.3%

+17.7%

+5.2%

-6.3%

+2.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

14.49

14.97

1.11

3.89

3.96

11.17

$7.59B

Profitability

Profit margins and return metrics

Profit Margin 27.48%

Operating Margin 30.6%

Gross Margin 29.27%

ROE 29.68%

ROA 7.36%

Growth

Revenue and earnings growth rates

Revenue Growth +10.2%

Earnings Growth +27.4%

Q/Q Revenue Growth +10.23%

Q/Q Earnings Growth +26.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.11

Low debt

Current Ratio

0.2

Weak

Quick Ratio

0.09

Poor

Cash/Share

$9.68

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2026

Revenue

$0.5B

Net Margin

24.1%

Total Assets

$6.2B

Liabilities

$4.2B

Equity

$2.0B

Debt/Equity

2.16x

Operating CF

$0.2B

CapEx

$-0.0B

Free Cash Flow

$0.2B

FCF Yield

97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-23

$N/A

2026-04-23

$5.11

+9.3% surprise

2026-02-12

$5.81

+9.5% surprise

2025-10-23

$6.09

+24.7% surprise

Financial Services Sector Comparison

Comparing KNSL against 864 companies in the Financial Services sector (145 bullish, 368 neutral, 351 bearish)

P/E Ratio

14.49

This Stock

34.88

Sector Avg

-58.5% (Discount)

Return on Equity (ROE)

29.68%

This Stock

-0.39%

Sector Avg

-7770.6% (Below Avg)

Profit Margin

27.48%

This Stock

93.92%

Sector Avg

-70.7% (Weaker)

Debt to Equity

0.11

This Stock

1.35

Sector Avg

-91.6% (Less Debt)

Revenue Growth

10.2%

This Stock

36.33%

Sector Avg

-71.9% (Slower)

Current Ratio

0.2

This Stock

3.06

Sector Avg

-93.5% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
KNSL Kinsale Capital Group, Inc.	NEUTRAL	$7.59B	14.49	29.7%	27.5%	$329.08
HUT Hut 8 Corp.	BEARISH	$7.33B	-	-18.6%	-96.2%	$66.08	Compare
FAF First American Financial...	BULLISH	$7.25B	10.9	12.8%	8.7%	$70.87	Compare
JHG Janus Henderson Group plc	NEUTRAL	$7.95B	9.86	16.2%	26.3%	$51.57	Compare
AXS AXIS Capital Holdings Limited	NEUTRAL	$7.98B	8.53	16.3%	16.1%	$102.07	Compare

KNSL Kinsale Capital...

NEUTRAL

Mkt Cap

$7.6B

P/E

14.5

ROE

29.7%

Price

$329.08

Compare with KNSL

FAF First American...

Compare with KNSL

Compare with KNSL

Compare with KNSL

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-27	SCHNUPP DIANE D	Chief Technology Officer	Stock Award	1,924	-
2026-02-27	BEACHY MARK J	Officer	Stock Award	2,053	-
2026-02-27	TANGARD CHRISTOPHER R	Officer	Stock Award	898	-
2026-02-27	WINSTON STUART P.	Officer	Stock Award	1,411	-
2026-02-27	KEHOE MICHAEL P	Chief Executive Officer	Stock Award	7,698	-
2026-02-27	PETRUCELLI BRYAN P	Chief Financial Officer	Sale	5,100	$1,929,585
2026-02-27	PETRUCELLI BRYAN P	Chief Financial Officer	Option Exercise	5,100	$81,600
2026-02-27	PETRUCELLI BRYAN P	Chief Financial Officer	Stock Award	2,822	-
2026-02-26	HATCHER ROBERT V. III	Director	Sale	150	$56,952
2026-02-26	RUSSELL FREDERICK LEROY JR.	Director	Sale	4,000	$1,518,000
2026-02-26	RUSSELL FREDERICK LEROY JR.	Director	Option Exercise	4,000	$64,000
2026-02-25	SHARE GREGORY M	Director	Gift	354	-
2026-02-24	RUSSELL FREDERICK LEROY JR.	Director	Sale	801	$299,710
2025-12-31	BENSINGER STEVEN J	Director	Stock Award	460	$179,915
2025-12-31	FORTIN MARY JANE	Director	Stock Award	460	$179,915

SCHNUPP DIANE D

Chief Technology Officer

Stock Award

2026-02-27

1,924 shares

BEACHY MARK J

Officer

Stock Award

2026-02-27

2,053 shares

TANGARD CHRISTOPHER R

Officer

Stock Award

2026-02-27

898 shares

WINSTON STUART P.

Officer

Stock Award

2026-02-27

1,411 shares

KEHOE MICHAEL P

Chief Executive Officer

Stock Award

2026-02-27

7,698 shares

PETRUCELLI BRYAN P

Chief Financial Officer

Sell

2026-02-27

5,100 shares · $1,929,585

PETRUCELLI BRYAN P

Chief Financial Officer

Option Exercise

2026-02-27

5,100 shares · $81,600

PETRUCELLI BRYAN P

Chief Financial Officer

Stock Award

2026-02-27

2,822 shares

HATCHER ROBERT V. III

Director

Sell

2026-02-26

150 shares · $56,952

RUSSELL FREDERICK LEROY JR.

Director

Sell

2026-02-26

4,000 shares · $1,518,000

RUSSELL FREDERICK LEROY JR.

Director

Option Exercise

2026-02-26

4,000 shares · $64,000

SHARE GREGORY M

Director

Gift

2026-02-25

354 shares

RUSSELL FREDERICK LEROY JR.

Director

Sell

2026-02-24

801 shares · $299,710

BENSINGER STEVEN J

Director

Stock Award

2025-12-31

460 shares · $179,915

FORTIN MARY JANE

Director

Stock Award

2025-12-31

460 shares · $179,915

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-23

Kinsale Capital Group, Inc. reported its financial results for the first quarter of 2026.

10-Q

2026-04-23

Kinsale Capital Group (KNSL) filed its quarterly 10-Q report on April 23, 2026. The filing includes a section on risk factors under Item 1A, although specific financial highlights and detailed risk descriptions were not provided in the available excerpt.

DEF 14A

2026-04-09

Kinsale Capital Group, Inc. (KNSL) filed a definitive proxy statement on April 9, 2026, providing shareholders with necessary information and voting materials for the upcoming annual meeting.

10-K

2026-02-20

Kinsale Capital Group (KNSL) filed its annual 10-K report on February 20, 2026. The filing includes comprehensive disclosures regarding the company's business operations, management's analysis of financial condition, and identified risk factors.

8-K

2026-02-12

Kinsale Capital Group, Inc. filed an 8-K on February 12, 2026, likely to announce its quarterly financial results.

8-K

2026-02-04

Kinsale Capital Group, Inc. reported its financial results for the fourth quarter and fiscal year ended December 31, 2025.

8-K

2026-01-08

8-K

2026-01-05

8-K

2025-12-11

10-Q

2025-10-23

8-K

2025-10-23

8-K

2025-10-23

Kinsale Capital Group, Inc. reported its financial results for the third quarter of 2025.

10-Q

2025-07-24

8-K

2025-07-24

8-K

2025-05-22

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

9 analysts

RBC Capital

2026-04-27

Maintains

Sector Perform Sector Perform

Wells Fargo

2026-04-27

down

Overweight Equal-Weight

Truist Securities

2026-04-27

Maintains

Buy Buy

Cantor Fitzgerald

2026-04-09

Maintains

Neutral Neutral

Wells Fargo

2026-04-09

Maintains

Overweight Overweight

Morgan Stanley

2026-04-06

down

Overweight Equal-Weight

Jefferies

2026-03-19

down

Hold Underperform

JP Morgan

2026-02-23

Maintains

Neutral Neutral

Truist Securities

2026-02-17

Maintains

Buy Buy

Cantor Fitzgerald

2026-02-17

Maintains

Neutral Neutral

Past News Coverage

Recent headlines mentioning KNSL from our newsroom.

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KNSL

KNSL Kinsale Capital Group, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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