Kinsale Capital Group, Inc.

NYSE:KNSL Stock Report

Market Cap: US$8.0b

Kinsale Capital Group Valuation

Is KNSL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of KNSL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: KNSL ($344.9) is trading below our estimate of future cash flow value ($553.92)

Significantly Below Future Cash Flow Value: KNSL is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for KNSL?

Key metric: As KNSL is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for KNSL. This is calculated by dividing KNSL's market cap by their current earnings.
What is KNSL's PE Ratio?
PE Ratio15.9x
EarningsUS$503.61m
Market CapUS$8.01b

Price to Earnings Ratio vs Peers

How does KNSL's PE Ratio compare to its peers?

The above table shows the PE ratio for KNSL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8x
WTM White Mountains Insurance Group
4.8xn/aUS$5.3b
AXS AXIS Capital Holdings
7.7x4.54%US$7.4b
ORI Old Republic International
10.4x-5.03%US$9.5b
MCY Mercury General
9x-9.90%US$4.8b
KNSL Kinsale Capital Group
15.9x1.61%US$8.0b

Price-To-Earnings vs Peers: KNSL is expensive based on its Price-To-Earnings Ratio (15.9x) compared to the peer average (8x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does KNSL's PE Ratio compare vs other companies in the US Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
KNSL 15.9xIndustry Avg. 11.3xNo. of Companies16PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: KNSL is expensive based on its Price-To-Earnings Ratio (15.9x) compared to the US Insurance industry average (11.3x).

Price to Earnings Ratio vs Fair Ratio

What is KNSL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

KNSL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio15.9x
Fair PE Ratio11.4x

Price-To-Earnings vs Fair Ratio: KNSL is expensive based on its Price-To-Earnings Ratio (15.9x) compared to the estimated Fair Price-To-Earnings Ratio (11.4x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst KNSL forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$344.90
US$407.33
+18.10%
11.50%US$450.00US$312.00n/a9
Mar ’27US$389.67
US$422.40
+8.40%
8.74%US$478.00US$348.00n/a10
Feb ’27US$395.88
US$457.80
+15.64%
6.81%US$510.00US$415.00n/a10
Jan ’27US$391.12
US$461.00
+17.87%
8.79%US$536.00US$400.00n/a10
Dec ’26US$377.04
US$465.30
+23.41%
8.63%US$536.00US$400.00n/a10
Nov ’26US$399.47
US$473.89
+18.63%
8.08%US$536.00US$400.00n/a9
Oct ’26US$417.49
US$499.44
+19.63%
7.09%US$560.00US$448.00n/a9
Sep ’26US$457.45
US$499.11
+9.11%
7.14%US$560.00US$448.00n/a9
Aug ’26US$444.49
US$502.75
+13.11%
6.73%US$560.00US$460.00n/a8
Jul ’26US$479.39
US$480.22
+0.17%
9.99%US$543.00US$400.00n/a9
Jun ’26US$471.99
US$469.25
-0.58%
9.67%US$535.00US$400.00n/a8
May ’26US$426.46
US$460.13
+7.89%
9.06%US$535.00US$400.00n/a8
Apr ’26US$488.15
US$474.11
-2.88%
9.46%US$535.00US$402.00US$345.809
Mar ’26US$431.85
US$477.67
+10.61%
8.87%US$535.00US$402.00US$389.679
Feb ’26US$441.94
US$476.67
+7.86%
8.70%US$535.00US$412.00US$395.889
Jan ’26US$465.13
US$485.67
+4.42%
10.86%US$593.00US$415.00US$391.129
Dec ’25US$508.44
US$465.88
-8.37%
8.12%US$535.00US$415.00US$377.048
Nov ’25US$426.03
US$463.88
+8.88%
8.29%US$535.00US$415.00US$399.478
Oct ’25US$476.24
US$446.14
-6.32%
8.50%US$530.00US$403.00US$417.497
Sep ’25US$491.09
US$449.00
-8.57%
7.50%US$514.00US$403.00US$457.458
Aug ’25US$447.33
US$448.25
+0.21%
7.64%US$514.00US$403.00US$444.498
Jul ’25US$391.71
US$418.38
+6.81%
4.79%US$453.00US$390.00US$479.398
Jun ’25US$383.62
US$419.63
+9.39%
4.72%US$453.00US$390.00US$471.998
May ’25US$378.61
US$422.00
+11.46%
4.76%US$453.00US$390.00US$426.467
Apr ’25US$512.65
US$530.86
+3.55%
11.53%US$607.00US$420.00US$488.157
US$407.33
Fair Value
15.3% undervalued intrinsic discount
9
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/02 21:34
End of Day Share Price 2026/04/02 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 16 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.

AnalystInstitution
Michael ZaremskiBMO Capital Markets Equity Research
Joseph TumilloBofA Global Research
Ryan TunisCantor Fitzgerald & Co.