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Kinsale Capital Group (KNSL) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Kinsale Capital Group
NYSE•Financial Services•Insurance - Property & Casualty
$386.17+6.56(0.02%)Market open
Market Cap
$8.63B
P/E
16.4x
P/S
4.4x
P/B
4.5x

Kinsale Capital Group, Inc. engages in the provision of property and casualty insurance products in the United States. The company's commercial lines offerings include commercial property, excess casualty, general casualty, small business casualty, construction, allied health, small business property, products liability, entertainment, commercial auto, energy, excess professional, life sciences, inland marine, professional liability, environmental, health care, management liability, public entity, agribusiness casualty and property, aviation, ocean marine, and product recall insurance. Its personal lines offerings also include high value homeowners and personal insurance products. The company sells its insurance products in all 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the U.S. Virgin Islands primarily through a network of independent insurance brokers. Kinsale Capital Group, Inc. was founded in 2009 and is headquartered in Richmond, Virginia.

A

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Profitability (22/25); weakest: Growth (19/25).

Profitability22/25
Growth19/25
Balance Sheet & Red Flags21/25
Cash & Earnings Quality21/25
Strengths
Strong marginsHigh ROELow leverageInterest easily covered

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 16.4x5y range 13.3x – 69.0x
P/E 16.4x · below its 20-quarter median

Currently below its 20-quarter median.

P/S · 4.4x5y range 3.8x – 15.1x
P/S 4.4x · below its 20-quarter median

Currently below its 20-quarter median.

P/B · 4.5x5y range 3.7x – 15.6x
Price & Volume
Market Cap $8.63B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$1.95B
8%
Q. Revenue
$454.80M
9%
TTM EBITDA
$663.74M
10%
TTM Op. Income
$657.91M
10%
Q. Op. Income
$123.62M
31%
TTM Net Income
$525.18M
11%
Q. Net Income
$98.13M
31%
EPS
$4.36
29%
Shares Out.
$22.49M
5Q
$1.95B in TTM revenue grew 8.3% YoY, reaching $454.80M last quarter. TTM EBITDA of $663.74M and TTM operating income of $657.91M show growth is flowing through to the bottom line. TTM net income of $525.18M means revenue is converting into profit. Over the past year, TTM revenue is up 8% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
27.2%
24%
Op. Margin
27.2%
24%
Net Margin
21.6%
24%
Op. margin of 27.2% is down 8.8% YoY — costs are rising relative to revenue. Net margin at 21.6% Over the past year, operating margin is down 24% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
16.4x
19%
P/S Ratio
4.4x
18%
P/B Ratio
4.5x
13%
At 16.4x P/E, the stock trades within typical market levels. P/S of 4.4x and P/B of 4.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 19% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$6.43B
7Q
Cash
$160.51M
2Q
Long-Term Debt
$224.60M
7Q
Book Value
$1.92B
3%
D/E Ratio
0.1
10%
Debt/EBITDA
1.8
63%
With $6.43B in assets and $224.60M in long-term debt, D/E is 0.1and book value is $1.92B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 10% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$264.11M
13%
TTM Free Cash Flow
$973.04M
2Q
FCF Margin
49.8%
2Q
FCF / Net Income
1.9
9%
TTM FCF of $973.04M on $264.11M in operating cash flow. The FCF / Net Income ratio of 1.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.

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· below its 20-quarter median

Currently below its 20-quarter median.