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Kinsale Capital Group, Inc. KNSL

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Price alert · KNSL

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383.73 USD -13.07 (-3.29%)

At closeNov 6, 2026, 4:01 PM EST

383.73 0.00 0.00%

After hours · Nov 6, 4:01 PM ET

373.36 Day range 388.45
290.20 52-week range 414.10
YTD
-1.89%
1 year
-2.38%

Financial health

Altman Z-Score

2.61 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 2
  • P/B 1

Valuation

P/E 18.0×
FY 2016: 27.0×FY 2017: 37.8×FY 2018: 34.7×FY 2019: 34.6×FY 2020: 50.5×FY 2021: 35.3×FY 2022: 37.5×FY 2023: 25.0×FY 2024: 26.0×FY 2025: 18.0×
FY 2016 5y median 26.0× FY 2025
P/S 4.8×
FY 2016: 5.0×FY 2017: 5.1×FY 2018: 5.3×FY 2019: 6.9×FY 2020: 9.7×FY 2021: 8.3×FY 2022: 7.1×FY 2023: 6.3×FY 2024: 6.8×FY 2025: 4.8×
FY 2016 5y median 6.8× FY 2025
P/B 4.6×
FY 2016: 3.4×FY 2017: 4.0×FY 2018: 4.4×FY 2019: 5.4×FY 2020: 7.8×FY 2021: 7.7×FY 2022: 8.0×FY 2023: 7.1×FY 2024: 7.3×FY 2025: 4.6×
FY 2016 5y median 7.3× FY 2025
P/FCF 9.1×
FY 2016: 9.7×FY 2017: 12.2×FY 2018: 11.4×FY 2019: 13.8×FY 2020: 18.1×FY 2021: 13.5×FY 2022: 10.8×FY 2023: 9.0×FY 2024: 11.3×FY 2025: 9.1×
FY 2016 5y median 10.8× FY 2025
EV/EBITDA 14.0×
FY 2016: 16.4×FY 2017: 22.1×FY 2018: 26.7×FY 2019: 27.4×FY 2020: 43.4×FY 2021: 27.9×FY 2022: 29.6×FY 2023: 19.6×FY 2024: 20.4×FY 2025: 14.0×
FY 2016 5y median 20.4× FY 2025
EV/Sales 4.9×
FY 2016: 4.6×FY 2017: 4.6×FY 2018: 4.9×FY 2019: 6.7×FY 2020: 9.6×FY 2021: 8.2×FY 2022: 7.2×FY 2023: 6.3×FY 2024: 6.8×FY 2025: 4.9×
FY 2016 5y median 6.8× FY 2025
FCF Yield 10.9%
FY 2016: 10.3%FY 2017: 8.2%FY 2018: 8.8%FY 2019: 7.3%FY 2020: 5.5%FY 2021: 7.4%FY 2022: 9.2%FY 2023: 11.1%FY 2024: 8.8%FY 2025: 10.9%
FY 2016 5y median 9.2% FY 2025

Profitability

Gross Margin 52.5%
FY 2016: 45.6%FY 2017: 33.1%FY 2018: 30.5%FY 2019: 34.9%FY 2020: 30.9%FY 2021: 39.2%FY 2022: 34.2%FY 2023: 41.7%FY 2024: 42.9%FY 2025: 52.5%
FY 2016 5y median 41.7% FY 2025
Operating Margin 33.8%
FY 2016: 27.9%FY 2017: 20.6%FY 2018: 18.2%FY 2019: 24.1%FY 2020: 21.8%FY 2021: 28.9%FY 2022: 23.3%FY 2023: 31.4%FY 2024: 32.4%FY 2025: 33.8%
FY 2016 5y median 31.4% FY 2025
Net Margin 26.9%
FY 2016: 18.5%FY 2017: 13.3%FY 2018: 15.2%FY 2019: 20.0%FY 2020: 19.2%FY 2021: 23.4%FY 2022: 19.0%FY 2023: 25.2%FY 2024: 26.1%FY 2025: 26.9%
FY 2016 5y median 25.2% FY 2025
ROE 25.7%
FY 2016: 12.4%FY 2017: 10.5%FY 2018: 12.8%FY 2019: 15.6%FY 2020: 15.3%FY 2021: 21.8%FY 2022: 21.3%FY 2023: 28.3%FY 2024: 28.0%FY 2025: 25.7%
FY 2016 5y median 25.7% FY 2025
ROIC 23.0%
FY 2016: 4.3%FY 2017: 3.8%FY 2018: 4.4%FY 2019: 378.1%FY 2020: 207.7%FY 2021: 20.2%FY 2022: 16.8%FY 2023: 24.0%FY 2024: 24.8%FY 2025: 23.0%
FY 2016 5y median 23.0% FY 2025
ROA 8.3%
FY 2016: 4.3%FY 2017: 3.7%FY 2018: 4.4%FY 2019: 5.8%FY 2020: 5.7%FY 2021: 7.5%FY 2022: 5.8%FY 2023: 8.2%FY 2024: 8.5%FY 2025: 8.3%
FY 2016 5y median 8.2% FY 2025

Growth (YoY)

Revenue 18.0%
FY 2016: 75.7%FY 2017: 31.9%FY 2018: 18.9%FY 2019: 42.2%FY 2020: 45.6%FY 2021: 42.1%FY 2022: 28.4%FY 2023: 46.0%FY 2024: 29.7%FY 2025: 18.0%
FY 2016 FY 2025
Operating Income 23.2%
FY 2016: 17.8%FY 2017: -2.6%FY 2018: 5.1%FY 2019: 87.9%FY 2020: 32.0%FY 2021: 88.0%FY 2022: 3.6%FY 2023: 96.4%FY 2024: 34.0%FY 2025: 23.2%
FY 2016 FY 2025
EPS (diluted) 21.8%
FY 2016: 17.0%FY 2017: -6.5%FY 2018: 34.5%FY 2019: 83.3%FY 2020: 35.3%FY 2021: 71.1%FY 2022: 3.9%FY 2023: 92.2%FY 2024: 34.5%FY 2025: 21.8%
FY 2016 FY 2025
Free Cash Flow 4.0%
FY 2016: -6.7%FY 2017: 5.5%FY 2018: 33.0%FY 2019: 54.6%FY 2020: 55.7%FY 2021: 62.3%FY 2022: 37.3%FY 2023: 54.9%FY 2024: 11.6%FY 2025: 4.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.8×
FY 2016: 5.3×FY 2017: 59.6×FY 2018: 57.3×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 0.8×
FY 2016 5y median 1.3× FY 2025
Quick Ratio 0.8×
FY 2016: 5.3×FY 2017: 59.6×FY 2018: 57.3×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 0.8×
FY 2016 5y median 1.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.1×
FY 2016: -1.3×FY 2017: -2.1×FY 2018: -1.8×FY 2019: -1.1×FY 2020: -0.3×FY 2021: -0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Interest Coverage 59.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 598×FY 2021: 190×FY 2022: 45.6×FY 2023: 37.3×FY 2024: 50.8×FY 2025: 59.6×
FY 2016 5y median 50.8× FY 2025

Dividends

Dividend Yield 0.2%
FY 2016: 0.3%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.3%FY 2020: 0.2%FY 2021: 0.2%FY 2022: 0.2%FY 2023: 0.2%FY 2024: 0.1%FY 2025: 0.2%
FY 2016 5y median 0.2% FY 2025
Payout Ratio 3.1%
FY 2016: 8.0%FY 2017: 20.2%FY 2018: 17.5%FY 2019: 10.9%FY 2020: 9.1%FY 2021: 6.6%FY 2022: 7.5%FY 2023: 4.2%FY 2024: 3.4%FY 2025: 3.1%
FY 2016 5y median 4.2% FY 2025

Annual · latest fiscal year ends 2025-12-31