# Kinsale Capital Group Inc. (KNSL) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $373.17, market value $8.5 billion.

## Valuation
- **P/E (trailing): 15.2×** (5-yr avg 28.6×, 3-yr avg 23.1×). Kinsale Capital Group Inc. trades at 15.2× 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 17.2×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.79**. A PEG of 0.79 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.3×**. Each dollar of revenue is priced at 4.3×.
- **Price / book: 4.2×**. The shares trade at 4.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.8%** (5-yr avg 9.4%). Free cash flow equals 11.8% of the market value, above its five-year average of 9.4%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 6.6%**. The inverse of the P/E: 6.6% 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: 9.4%**. Each dollar of assets produces 9.4% 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: 0.27%** ($0.84 per share, trailing). Kinsale Capital Group Inc. yields 0.27%, 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.

## Price and momentum
- **Total return (1 yr): -18.7%** (YTD -4.4%, 3-mo 21.9%). The shares are down 18.7% over twelve months including dividends.
- **From 52-week high: -23.1%** (29.9% above the low). Trading 23% 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): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): -0.14** (volatility 36%). Beta of -0.14 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.