# Kinsale Capital Group Inc. (KNSL) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $383.55, market value $8.6 billion.

## Valuation
- **P/E (trailing): 16.7×** (5-yr avg 28.6×, 3-yr avg 23.1×). Kinsale Capital Group Inc. trades at 16.7× trailing earnings, well below its own five-year average of 28.6×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 17.5×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.80**. A PEG of 0.80 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.4×**. Each dollar of revenue is priced at 4.4×.
- **Price / book: 4.5×**. The shares trade at 4.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.3%** (5-yr avg 9.4%). Free cash flow equals 11.3% of the market value, in line with its five-year average of 9.4%. Above 5% is generally attractive.
- **Earnings yield: 6.0%**. The inverse of the P/E: 6.0% of the price is earned each year.

## Profitability
- **Net margin: 26.9%**. 26.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 25.7%**. 25.7% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 8.7%**. Each dollar of assets produces 8.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 18.0%** (3-yr 30.7%/yr, 5-yr 32.4%/yr). Revenue grew 18.0% over the last year, against 32.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 21.8%** (3-yr 46.5%/yr, 5-yr 41.1%/yr). Earnings per share rose 21.8%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 21.6%/yr**. Free cash flow has compounded at 21.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $163 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.26%** ($0.92 per share, trailing). Kinsale Capital Group Inc. yields 0.26%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 3%** (2% of free cash flow). 3% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 13.6%/yr** (1-yr 13.3%). The dividend has compounded at 13.6% a year over five years, doubling roughly every 5 years at that pace.

## Analyst view
- **Analyst consensus: hold** (9 analysts). 9 analysts cover Kinsale Capital Group Inc.; the consensus is hold, with an average price target of $350.33 (-9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -4.8%** (YTD -2.8%, 3-mo 5.3%). The shares are down 4.8% over twelve months including dividends.
- **From 52-week high: -9.1%** (33.5% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): -0.16** (volatility 35%). Beta of -0.16 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=KNSL · Page: https://foliofundamentals.com/stocks/knsl

Not investment advice.