A Business at a Glance
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Table of Contents PART I Kinsale is a property and casualty insurance company that focuses exclusively on the excess and surplus lines ("E&S") market in the U.S., where we can use our underwriting expertise to write coverages for hard-to-place risks. We sell these 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. Our experienced and cohesive management team has an average of over 30 years of relevant experience. Our goal is to deliver long-term value for our stockholders by growing our business and generating attractive returns. We seek to accomplish this by generating consistent and attractive underwriting profits while managing our capital prudently. Using our proprietary technology platform and leveraging the expertise of our highly-experienced employees in our daily operations, we have built a company that is entrepreneurial and highly efficient.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.9B | 1.9B | 1.6B | 1.2B | 839M | 653M |
| Net Income | 504M | 504M | 415M | 308M | 159M | 153M |
| EPS | $21.65 | $21.65 | $17.78 | $13.22 | $6.88 | $6.62 |
| Free Cash Flow | 990M | 990M | 952M | 853M | 551M | 401M |
| ROIC | 24.9% | 26.2% | 28.2% | 27.9% | 18.9% | 23.2% |
| Gross Margin | 52.5% | 52.5% | 51.3% | 51.0% | 45.4% | 50.4% |
| Debt/Equity | 0.11 | 0.11 | 0.12 | 0.17 | 0.36 | 0.12 |
| Dividends/Share | $0.68 | $0.68 | $0.60 | $0.56 | $0.52 | $0.44 |
| Operating Income | 634M | 634M | 515M | 384M | 196M | 189M |
| Operating Margin | 33.8% | 33.8% | 32.4% | 31.4% | 23.3% | 28.9% |
| ROE | 25.7% | 29.3% | 32.3% | 33.6% | 22.0% | 23.9% |
| Shares Outstanding | 23M | 23M | 23M | 23M | 23M | 23M |
Kinsale Capital Group, Inc. passes 8 of 9 quality checks, indicating strong fundamentals.
Kinsale Capital Group, Inc. trades at 16.2x trailing earnings, compared to its 15-year median P/E of 34.6x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 8.2x vs a median of 11.4x. The company's 5-year average ROIC is 24.9% with a gross margin of 50.1%. Total shareholder yield (dividends + buybacks) is 1.3%. At current prices, the estimated annualized return to fair value is +41.0%.
Kinsale Capital Group, Inc. (KNSL) has a current P/E ratio of 16.2, compared to its historical median P/E of 34.6. The stock is currently considered Cheap based on its historical valuation range.
Kinsale Capital Group, Inc. (KNSL) has a 5-year average return on invested capital (ROIC) of 24.9%. This indicates strong capital allocation and a potential competitive advantage.
Kinsale Capital Group, Inc. (KNSL) has a market capitalization of $8.2B. It is classified as a mid-cap stock.
Yes, Kinsale Capital Group, Inc. (KNSL) pays a dividend with a trailing twelve-month yield of 0.19%. The company also returns capital through share buybacks, with a buyback yield of 1.10%.
Based on historical P/E analysis, Kinsale Capital Group, Inc. (KNSL) appears cheap. The current P/E of 16.2 is 53% below its historical median of 34.6. The estimated fair value CAGR (P/E method) is 45.1%.
Kinsale Capital Group, Inc. (KNSL) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
Kinsale Capital Group, Inc. (KNSL) reported annual revenue of $1.9 billion in its most recent fiscal year, based on SEC EDGAR filings.
Kinsale Capital Group, Inc. (KNSL) has a net profit margin of 26.9%. This is a strong margin indicating high profitability.
Kinsale Capital Group, Inc. (KNSL) generated $990 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Kinsale Capital Group, Inc. (KNSL) has a debt-to-equity ratio of 0.11. This indicates a conservatively financed balance sheet.
Kinsale Capital Group, Inc. (KNSL) reported earnings per share (EPS) of $21.65 in its most recent fiscal year.
Kinsale Capital Group, Inc. (KNSL) has a return on equity (ROE) of 29.3%. This indicates the company generates strong returns for shareholders.
Kinsale Capital Group, Inc. (KNSL) has a 5-year average gross margin of 50.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 12 years of financial data for Kinsale Capital Group, Inc. (KNSL), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Kinsale Capital Group, Inc. (KNSL) has a book value per share of $84.24, based on its most recent annual SEC filing.