Kinsale Capital Group (KNSL) Stock Overview
Engages in the provision of property and casualty insurance products in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
KNSL Community Fair Values
Create NarrativeSee what 85 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Kinsale Capital Group, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$311.29 |
| 52 Week High | US$512.76 |
| 52 Week Low | US$293.78 |
| Beta | 0.95 |
| 1 Month Change | -13.72% |
| 3 Month Change | -17.35% |
| 1 Year Change | -34.08% |
| 3 Year Change | -3.98% |
| 5 Year Change | 89.92% |
| Change since IPO | 1,596.40% |
Recent News & Updates
Recent updates
Narrative Update • May 06
KNSL: Underwriting Discipline And Dividends Will Support Returns In A Tougher Cycle
Analysts have trimmed the Kinsale Capital Group fair value estimate from $377.11 to $356.89 as they factor in slower expected revenue growth, a slightly lower profit margin and a somewhat higher discount rate, while keeping future P/E assumptions broadly in line with prior views. Analyst Commentary Recent research on Kinsale Capital Group has become more cautious, with several firms cutting price targets and, in some cases, downgrading ratings as they reassess growth, margins and competitive pressure in the current underwriting cycle.
New Narrative • Apr 23
AI-Driven Cost Advantage And Growing Float Will Support Long-Term Earnings Power
Catalysts About Kinsale Capital Group Kinsale Capital Group focuses on excess and surplus lines insurance, using a low cost model and specialist underwriting to target smaller, harder to place risks. What are the underlying business or industry changes driving this perspective?Narrative Update • Apr 21
KNSL: Underwriting Discipline And Dividends Will Balance Slower Premium Momentum In Competitive Conditions
Analysts have reduced the Kinsale Capital Group price target by about $19 to $377, reflecting updated views on slower premium growth, slightly softer margins, and a lower future P/E multiple following a recent series of downgrades and target cuts across the Street. Analyst Commentary Recent research on Kinsale Capital Group has become more cautious, with several firms lowering ratings and trimming price targets after slower premium growth, softer margins, and a reset in earnings expectations.
New Narrative • Apr 08
AI And Litigation Risks Will Eventually Erode Margins And Pressure Future Earnings
Catalysts About Kinsale Capital Group Kinsale Capital Group focuses on excess and surplus lines insurance, targeting smaller and often more complex accounts across multiple property and casualty niches. What are the underlying business or industry changes driving this perspective?Narrative Update • Apr 07
KNSL: Underwriting Discipline And Dividends Will Support Returns In More Competitive P&C Conditions
Analysts have reduced their average price target on Kinsale Capital Group by about $11 to $396, reflecting a more cautious outlook on revenue growth and sector sentiment after several recent downgrades and target cuts. Analyst Commentary Recent research on Kinsale Capital Group shows a split between analysts who still see support for the long term story and those who are more cautious on growth, competition, and valuation after the latest earnings and sector moves.Narrative Update • Mar 24
KNSL: Underwriting Discipline And Payouts Will Support Upside In Softer P&C Conditions
Analysts have trimmed their average price target for Kinsale Capital Group from about $422 to roughly $407, reflecting slightly lower fair value and revenue growth expectations along with a modestly reduced future P/E multiple. Analyst Commentary Recent research has shifted toward a more cautious stance on Kinsale Capital Group, with several firms trimming price targets and some moving to more negative ratings as they reassess growth, profitability, and sector risks.Seeking Alpha • Mar 21
Kinsale Capital: Strong Business Fundamentals Support Upgrade To Strong Buy At Lower Price
Summary Kinsale Capital Group is upgraded to STRONG BUY, as its fundamentals remain robust despite a cyclical insurance market downturn. KNSL maintains industry-leading profitability with a 71.7% combined ratio and 26% ROE, prioritizing underwriting discipline over premium growth. Valuation has compressed 30–50% below its five-year average, offering an attractive entry point despite modest premiums to sector peers. Risks include prolonged soft market conditions and potential margin compression, but KNSL’s strong balance sheet and disciplined strategy support incremental long positioning. Read the full article on Seeking AlphaNarrative Update • Mar 10
KNSL: Underwriting Discipline And Buybacks Will Support Upside In Softer P&C Conditions
Kinsale Capital Group's updated fair value estimate has moved to $422.40 from $433.40, as analysts trim price targets on expectations for slower premium growth, partially offset by slightly higher projected profit margins and a modestly lower future P/E of 21.17 from 21.80. Analyst Commentary Recent research on Kinsale Capital highlights a mix of optimism about profitability and caution around growth and sector headwinds, which is feeding into the latest fair value adjustments.Narrative Update • Feb 23
KNSL: Underwriting And Capital Returns Will Support Upside In Softer P&C Conditions
Narrative Update: Kinsale Capital Group The updated analyst price target for Kinsale Capital Group moves lower by about $24. This reflects reduced fair value assumptions tied to slower expected revenue growth and slightly lower future P/E multiples, even as analysts factor in a modestly higher profit margin outlook.Analysis Article • Feb 15
Kinsale Capital Group, Inc. (NYSE:KNSL) Just Released Its Full-Year Results And Analysts Are Updating Their Estimates
It's been a mediocre week for Kinsale Capital Group, Inc. ( NYSE:KNSL ) shareholders, with the stock dropping 10% to...Narrative Update • Feb 07
KNSL: Underwriting Strength And Capital Returns Will Face Softer P&C Conditions
Analysts kept their fair value estimate for Kinsale Capital Group steady at about $458 per share, with recent price target cuts from around US$536 to US$500 and reductions to US$480 and US$415 reflecting concerns about softening property and casualty pricing, rising loss costs, and a demanding P/E multiple, despite strong underwriting margins. Analyst Commentary Recent research on Kinsale Capital highlights a mix of optimism around the franchise and caution around the setup for specialty property and casualty insurance over the next few years.Narrative Update • Jan 23
KNSL: Underwriting Margins And Buybacks Will Confront Softer P&C Cycle
The analyst price target for Kinsale Capital Group has inched higher by about $1 to $457.8, as analysts factor in updated Street research that reflects mixed price target revisions, ongoing strength in underwriting margins, and cautious views on broader property and casualty pricing trends. Analyst Commentary Recent research on Kinsale Capital Group reflects a split view, with some firms encouraged by the company’s underwriting track record and others more focused on slowing growth and sector wide pricing pressures in property and casualty insurance.Narrative Update • Jan 09
KNSL: Underwriting Strength Will Confront Softer P&C Cycle Into 2026
Analysts have trimmed their fair value estimate for Kinsale Capital Group from $461.00 to $456.60, reflecting a series of reduced price targets as they factor in softer P&C pricing trends, sector wide valuation pressure, and modest tweaks to growth and profitability assumptions. Analyst Commentary Recent research updates on Kinsale Capital Group point to a mixed setup, with price targets moving lower but views on execution quality and valuation drivers still split between more optimistic and more cautious camps.Narrative Update • Dec 23
KNSL: Exceptional Underwriting Margins Will Continue To Drive Strong Earnings Through 2026
Analysts have nudged their price target for Kinsale Capital modestly lower, trimming fair value by about $4 to roughly $461. They are balancing still exceptional underwriting profitability and slightly faster growth assumptions with a more cautious stance on valuation multiples amid softening property and casualty cycles.Narrative Update • Dec 09
KNSL: Strong Underwriting Margins Will Support Earnings Compounding Through 2026
Analysts have modestly trimmed their price targets on Kinsale Capital Group, with our fair value estimate easing by about $6 to roughly $465. This reflects a softer property and casualty cycle and sector-wide valuation pressure, despite still robust underwriting margins and improving profitability metrics.Narrative Update • Nov 25
KNSL: Continued Strong Underwriting Margins Will Sustain Premium Momentum Into 2025
Kinsale Capital Group's analyst price target decreased slightly by approximately $1 to about $470.89. Analysts cite slowing growth expectations and recent valuation pressures following quarterly updates in the property and casualty insurance sector.Narrative Update • Nov 10
KNSL: Ongoing Premium Momentum Will Drive Outperformance Amid Sector Headwinds
The analyst price target for Kinsale Capital Group was lowered by $18 to $472. Analysts cited a combination of modest valuation pressure in the property and casualty insurance sector, along with minor adjustments to growth and margin forecasts.Analysis Article • Oct 28
Kinsale Capital Group, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
Kinsale Capital Group, Inc. ( NYSE:KNSL ) just released its third-quarter report and things are looking bullish. It was...Narrative Update • Oct 27
Market Pressures Will Shape Opportunity Landscape Amid Ongoing Sector Transition
Analysts have lowered their price target for Kinsale Capital Group by approximately $9, citing recent pressures across the sector that have affected valuations, as well as slightly weaker growth forecasts in revenue and profit margins. Analyst Commentary Recent analyst updates on Kinsale Capital Group reflect both optimism about the company's long-term earnings prospects and caution regarding near-term sector dynamics and growth headwinds.Analysis Article • Aug 24
Getting In Cheap On Kinsale Capital Group, Inc. (NYSE:KNSL) Is Unlikely
Kinsale Capital Group, Inc.'s ( NYSE:KNSL ) price-to-earnings (or "P/E") ratio of 23.8x might make it look like a sell...Analysis Article • Jun 27
Here's Why We Think Kinsale Capital Group (NYSE:KNSL) Is Well Worth Watching
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Seeking Alpha • Mar 04
Kinsale: Growth Prospects And Stock Underpricing To Drive Its Upside Potential
Summary Kinsale Capital Group shows robust revenue growth and stable margins, driven by strategic underwriting, portfolio diversification, and operational efficiency. KNSL's prudent investment in debt securities and technological innovation enhances its profitability and operational capacity despite market volatility and hurricane risks. The stock remains underpriced with a target price suggesting significant upside potential, supported by strong financial metrics and technical indicators. KNSL's solid balance sheet and high cash conversion rate ensure liquidity and growth sustainability, making it a strong buy recommendation. Read the full article on Seeking AlphaSeeking Alpha • Feb 07
Kinsale Q4 Earnings Preview: A Risky Long-Term Growth Play
Summary Kinsale Capital Group, Inc. excels in the E&S insurance segment, leveraging proprietary technology for superior underwriting and lower loss ratios compared to peers. Despite strong fundamentals and growth, Kinsale's premium valuation reflects its performance, trading at 8x book value, which may seem overvalued relative to peers. The company’s recent financials show strong growth, with Q3 2024 premiums up 18.5% YoY and net income up 50% YoY, maintaining high profitability. Kinsale's future growth is supported by expanding into new insurance lines and embracing AI for better risk management, though KNSL stock remains volatile. Read the full article on Seeking AlphaSeeking Alpha • Dec 01
Kinsale Capital: A Policy Of Continued Growth
Summary Kinsale Capital's disciplined underwriting, low-cost model, and tech focus ensure sustained profitability and a competitive edge in the E&S market despite increased competition. Q3'24 results exceeded expectations with a 27% EPS increase and 19% growth in gross written premiums, showcasing strong operational efficiency and investment income growth. Despite decelerating growth in gross written premiums, Kinsale's combined ratio of 75.7% and 28.2% nine-month annualized ROE highlight its profitability and market resilience. Valued at an EV/EBITDA multiple of 22.9x, below its historical average, Kinsale remains attractively priced for long-term growth, supported by its unique market position and robust business model. Read the full article on Seeking AlphaSeeking Alpha • Nov 07
Kinsale Capital: Strong Results, Approaching Fair Valuation
Summary Kinsale Capital specializes in the Excess & Surplus (E&S) insurance market, known for its speed in providing policies and its efficiency. Their competitive advantages keep their combined ratio between 76-80%, one of the lowest in the industry, and their ROE quite high. One of Kinsale's key strengths lies in the experience of its founder Michael Kehoe and his management team, who have over 30 years in the industry. Even with revenue growing at 39% annually over the past decade, their market share is still under 2%. Read the full article on Seeking AlphaSeeking Alpha • Sep 17
Kinsale Capital's Winning Formula: Technology And Underwriting Excellence
Summary Kinsale Capital's moat is built by its advanced technology and disciplined underwriting, enabling efficient, low-cost operations in the E&S insurance market. The company's low combined ratio and superior underwriting efficiency provide a significant competitive edge. Despite a premium valuation, Kinsale's growth potential in the expanding E&S market justifies holding the stock. While Kinsale's stock is richly but fairly valued, its robust growth and market share gains make it a strong long-term investment, meriting a hold rating. Read the full article on Seeking Alpha
New Narrative • Aug 22
A Strategic Leap Forward In The E&S Market
Kinsale Capital Group's strategic focus on small accounts in the E&S market and technological cost management hints at strong potential for revenue growth and margin improvement.Shareholder Returns
| KNSL | US Insurance | US Market | |
|---|---|---|---|
| 7D | 3.9% | 0.9% | -0.3% |
| 1Y | -34.1% | -10.8% | 24.1% |
Return vs Industry: KNSL underperformed the US Insurance industry which returned -10.8% over the past year.
Return vs Market: KNSL underperformed the US Market which returned 24.1% over the past year.
Price Volatility
| KNSL volatility | |
|---|---|
| KNSL Average Weekly Movement | 4.3% |
| Insurance Industry Average Movement | 4.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: KNSL has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: KNSL's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2009 | 716 | Michael Kehoe | www.kinsalecapitalgroup.com |
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.
Kinsale Capital Group, Inc. Fundamentals Summary
| KNSL fundamental statistics | |
|---|---|
| Market cap | US$7.18b |
| Earnings (TTM) | US$526.94m |
| Revenue (TTM) | US$1.92b |
13.6x
P/E Ratio3.7x
P/S RatioIs KNSL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| KNSL income statement (TTM) | |
|---|---|
| Revenue | US$1.92b |
| Cost of Revenue | US$1.36b |
| Gross Profit | US$561.23m |
| Other Expenses | US$34.29m |
| Earnings | US$526.94m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 22.85 |
| Gross Margin | 29.27% |
| Net Profit Margin | 27.48% |
| Debt/Equity Ratio | 11.4% |
How did KNSL perform over the long term?
See historical performance and comparisonDividends
0.3%
Current Dividend Yield3%
Payout RatioDoes KNSL pay a reliable dividends?
See KNSL dividend history and benchmarks| Kinsale Capital Group dividend dates | |
|---|---|
| Ex Dividend Date | May 28 2026 |
| Dividend Pay Date | Jun 11 2026 |
| Days until Ex dividend | 10 days |
| Days until Dividend pay date | 24 days |
Does KNSL pay a reliable dividends?
See KNSL dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/18 08:03 |
| End of Day Share Price | 2026/05/15 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Kinsale Capital Group, Inc. is covered by 17 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Michael Zaremski | BMO Capital Markets Equity Research |
| Joseph Tumillo | BofA Global Research |
| Ryan Tunis | Cantor Fitzgerald & Co. |