📊 KNSL Key Takeaways
Is Kinsale Capital Group, Inc. (KNSL) a Good Investment?
Kinsale demonstrates exceptional fundamental strength with 24.1% net margins and outstanding 51.7% FCF conversion, coupled with accelerating earnings growth (21.4% NI vs 18% revenue) signaling operational leverage. Conservative capital structure (0.11x debt/equity) with minimal debt provides financial flexibility, while strong specialty insurance positioning supports 18% revenue growth momentum.
Kinsale exhibits exceptional underwriting profitability and capital efficiency, with 18% revenue growth translating to faster net income/EPS gains and elite margins (33.8% operating, 26.9% net). Low leverage, very high interest coverage, and outsized free cash flow (52.8% margin) support continued organic growth and resilience. Fundamentals indicate durable, high-ROE compounding absent severe underwriting or reserve shocks.
Kinsale Capital Group, Inc. Key Strengths (KNSL)
- Outstanding cash generation: $241.3M FCF with 51.7% margin and 44.1x interest coverage
- Exceptional profitability: 24.1% net margin and 29.9% operating margin with accelerating earnings growth (21.4% YoY)
- Conservative balance sheet: 0.11x debt/equity with negligible net debt and $223.3M cash
- Strong revenue growth of 18% YoY demonstrating market traction in specialty insurance
- Low capital intensity ($7.5M CapEx) enabling substantial cash return flexibility
- High and expanding profitability (33.8% operating, 26.9% net; EPS +21.8%)
- Strong capital efficiency with conservative leverage (ROE 25.7%, D/E 0.11x, 59.6x coverage)
- Robust cash generation (OCF $1.04B; FCF margin 52.8%)
KNSL Stock Risks: Kinsale Capital Group, Inc. Investment Risks
- Insurance industry exposure to catastrophic claims events and loss reserve volatility
- Cyclical specialty insurance market subject to underwriting discipline deterioration and pricing pressure
- Relatively low ROE of 5.7% suggests capital efficiency constraints or industry structural limitations
- Regulatory and compliance risks inherent to licensed insurance operations
- Large asset base ($6.2B) concentrates capital requirements and operational complexity
- Underwriting cycle and catastrophe-loss volatility could compress margins
- Reserve adequacy/adverse development risk amid rapid premium growth
- Investment portfolio yield/credit and rate sensitivity affecting earnings and capital
Key Metrics to Watch
- Combined ratio and loss ratio trends indicating underwriting profitability
- Reserve adequacy ratios and changes to loss reserve methodologies
- Organic premium growth rates and pricing power in core specialty lines
- Return on equity progression and claims frequency/severity development
- Free cash flow sustainability and capital allocation policy
- Combined ratio
- Net earned premium growth
Kinsale Capital Group, Inc. (KNSL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 51.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
KNSL Profit Margin, ROE & Profitability Analysis
KNSL vs Finance Sector: How Kinsale Capital Group, Inc. Compares
How Kinsale Capital Group, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Kinsale Capital Group, Inc. Stock Overvalued? KNSL Valuation Analysis 2026
Based on fundamental analysis, Kinsale Capital Group, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Kinsale Capital Group, Inc. Balance Sheet: KNSL Debt, Cash & Liquidity
KNSL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Kinsale Capital Group, Inc.'s revenue has grown significantly by 193% over the 5-year period, indicating strong business expansion. The most recent EPS of $13.22 reflects profitable operations.
KNSL Revenue Growth, EPS Growth & YoY Performance
KNSL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $423.4M | $89.2M | $3.83 |
| Q3 2025 | $418.1M | $89.2M | $4.90 |
| Q2 2025 | $384.6M | $89.2M | $3.97 |
| Q1 2025 | $372.8M | $89.2M | $3.83 |
| Q3 2024 | $314.4M | $55.8M | $3.26 |
| Q2 2024 | $295.8M | $55.8M | $3.12 |
| Q1 2024 | $263.1M | $55.8M | $2.40 |
| Q3 2023 | $222.1M | $27.1M | $1.43 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Kinsale Capital Group, Inc. Dividends, Buybacks & Capital Allocation
KNSL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Kinsale Capital Group, Inc. (CIK: 0001669162)
📋 Recent SEC Filings
❓ Frequently Asked Questions about KNSL
What is the AI rating for KNSL?
Kinsale Capital Group, Inc. (KNSL) has a Combined AI Grade of A+ from Claude (A+) and ChatGPT (A+) with 85% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are KNSL's key strengths?
Claude: Outstanding cash generation: $241.3M FCF with 51.7% margin and 44.1x interest coverage. Exceptional profitability: 24.1% net margin and 29.9% operating margin with accelerating earnings growth (21.4% YoY). ChatGPT: High and expanding profitability (33.8% operating, 26.9% net; EPS +21.8%). Strong capital efficiency with conservative leverage (ROE 25.7%, D/E 0.11x, 59.6x coverage).
What are the risks of investing in KNSL?
Claude: Insurance industry exposure to catastrophic claims events and loss reserve volatility. Cyclical specialty insurance market subject to underwriting discipline deterioration and pricing pressure. ChatGPT: Underwriting cycle and catastrophe-loss volatility could compress margins. Reserve adequacy/adverse development risk amid rapid premium growth.
What is KNSL's revenue and growth?
Kinsale Capital Group, Inc. reported revenue of $466.7M.
Does KNSL pay dividends?
Kinsale Capital Group, Inc. pays dividends, with $5.8M distributed to shareholders in the trailing twelve months.
Where can I find KNSL SEC filings?
Official SEC filings for Kinsale Capital Group, Inc. (CIK: 0001669162) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is KNSL's EPS?
Kinsale Capital Group, Inc. has a diluted EPS of $4.88.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is KNSL's fundamental grade?
Based on our AI fundamental analysis in May 2026, Kinsale Capital Group, Inc. has a A+ grade with 85% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is KNSL stock overvalued or undervalued?
Valuation metrics for KNSL: ROE of 5.7% (sector avg: 12%), net margin of 24.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is KNSL's AI grade for 2026?
Our dual AI analysis gives Kinsale Capital Group, Inc. a combined A+ grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is KNSL's free cash flow?
Kinsale Capital Group, Inc.'s operating cash flow is $248.9M, with capital expenditures of $7.6M. FCF margin is 51.7%.
How does KNSL compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.1% (avg: 25%), ROE 5.7% (avg: 12%), current ratio N/A (avg: 1.2).