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Kinsale Capital Group (KNSL) AI Stock Analysis
Kinsale Capital Group
(NYSE:KNSL)
The score is driven primarily by strong financial performance (high profitability, strong ROE, excellent cash conversion, and low leverage). Technicals support the trend but are somewhat stretched on momentum indicators, and valuation looks reasonable on P/E though the dividend is very small. Earnings commentary was constructive with disciplined profitability and buybacks, partially offset by soft premium growth and competitive pricing pressure.
Kinsale Capital Group Key Performance Indicators (KPIs)
Revenue BreakdownAnalyzes different sources of income, highlighting which segments drive growth and how diversified the company's revenue streams are.
Kinsale is scaling primarily through steady net earned premium growth, but the story increasingly hinges on investment income—which has surged with higher yields—and volatile equity mark‑to‑market swings that can materially inflate quarterly results (notably the large June 2026 gain). Fee income is emerging as a small diversification. For investors, focus on underlying underwriting profitability and normalized earnings: the headline growth looks stronger than it might be once you strip out investment‑mark noise and one‑off realized/FAIR‑value swings.
The FlyKinsale Capital Group (KNSL) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $8.82B
- Dividend Yield
- 0.23%
- Average Volume (3M)
- 222.62K
- Price to Earnings (P/E)
- 17.0
- Beta (1Y)
- 0.33
- Revenue Growth
- 8.35%
- EPS Growth
- 12.40%
- Country
- US
- Employees
- 716
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Property & Casualty
Kinsale Capital Group Business Overview & Revenue Model
Company Description
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, c...
How the Company Makes Money
Kinsale Capital Group primarily makes money through (1) underwriting income and (2) investment income generated from its insurance operations. 1) Underwriting (insurance) income - Premiums collected: Kinsale charges policyholders insurance premiums f...
Kinsale Capital Group Earnings Call Summary
The call was broadly positive: operating earnings, ROE, underwriting profitability, investment income, capital returns, technology, and submission activity were strong, while management emphasized disciplined growth and pricing. The principal challenges were declining written premium, a soft and highly competitive E&S market, pressure in Commercial Property and large accounts, a GAAP earnings decline caused by investment repositioning, and competition in personal lines. Management characterized the premium decline as a temporary mix shift and remained confident in the company's operating model.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management expects the most recent CAT activity impact on results to be immaterial; the average premium per policy was $10.7 thousand through Q3 and will “probably remain pretty steady but it will trend maybe slightly downward as competition picks up,” while commercial property reductions are “hopefully” expected to moderate. At this time, $100 million is expected to be a good quarterly run rate for repurchases, with the company planning to be opportunistic otherwise and intending that run rate for the remainder of its repurchase authorization; fixed-income repositioning is expected to add $5.5 million to $6 million annually. The company continues to target a 20% return on equity or better, expects its expense ratio to “drift downward over time, not up,” plans to roll out an additional 5 or 6 new offerings, and expects the temporary drop off in written premium to “correct near term on its own” and return to “a modest growth hopefully in the near term.”
Kinsale Capital Group Financial Statement Overview
Summary
High-quality profitability and cash generation with low leverage: strong net/operating margins, consistently strong ROE, and excellent cash conversion (FCF ~ net income). Main risk is cooling growth, with TTM revenue and free cash flow slightly negative after several strong years.
Income Statement
84Very PositiveBalance Sheet
86Very PositiveCash Flow
88Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.95B | 1.87B | 1.59B | 1.22B | 838.80M | 653.47M |
| Gross Profit | 996.72M | 983.30M | 680.44M | 510.51M | 287.13M | 255.91M |
| EBITDA | 676.43M | 650.78M | 530.65M | 397.59M | 202.57M | 192.10M |
| Net Income | 525.18M | 503.61M | 414.84M | 308.09M | 159.11M | 152.66M |
Balance Sheet | ||||||
| Total Assets | 6.43B | 6.04B | 4.89B | 3.77B | 2.75B | 2.03B |
| Cash, Cash Equivalents and Short-Term Investments | 5.44B | 2.68B | 3.65B | 2.84B | 1.96B | 1.51B |
| Total Debt | 224.60M | 224.40M | 184.12M | 183.85M | 195.75M | 85.39M |
| Total Liabilities | 4.51B | 4.08B | 3.40B | 2.69B | 2.00B | 1.33B |
| Stockholders Equity | 1.92B | 1.96B | 1.48B | 1.09B | 745.45M | 699.34M |
Cash Flow | ||||||
| Free Cash Flow | 973.04M | 990.05M | 952.36M | 853.23M | 550.91M | 401.12M |
| Operating Cash Flow | 996.28M | 1.04B | 976.30M | 859.84M | 557.82M | 407.04M |
| Investing Cash Flow | -691.43M | -922.21M | -960.13M | -860.89M | -708.57M | -351.95M |
| Financing Cash Flow | -314.51M | -71.38M | -29.66M | -28.52M | 185.99M | -11.14M |
Kinsale Capital Group Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KNSL, the sentiment is Positive. The current price of 391.73 is above the 20-day moving average (MA) of 363.57, above the 50-day MA of 358.30, and above the 200-day MA of 350.72, indicating a bullish trend. The MACD of 8.04 indicates Negative momentum. The RSI at 65.78 is Neutral, neither overbought nor oversold. The STOCH value of 76.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KNSL.
Kinsale Capital Group Risk Analysis
Kinsale Capital Group disclosed 31 risk factors in its most recent earnings report. Kinsale Capital Group reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksKinsale Capital Group Peers Comparison
Overall Rating
PLMR84Outperform- KNSL83Outperform
SKWD80Outperform
WRB76Outperform
MKL74Outperform
RLI72Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PLMR | 84Outperform | $3.74B | 17.52 | 21.61% | 0.31% | 60.27% | 30.93% |
| KNSL | 83Outperform | $8.63B | 17.03 | 26.66% | 0.23% | 8.35% | 12.40% |
| SKWD | 80Outperform | $2.70B | 14.08 | 16.84% | ― | 37.99% | 34.78% |
| WRB | 76Outperform | $27.91B | 16.15 | 18.98% | 2.45% | 1.45% | -0.85% |
| MKL | 74Outperform | $23.22B | 13.83 | 9.66% | ― | -0.64% | -12.26% |
| RLI | 72Outperform | $6.13B | 16.06 | 22.50% | 6.79% | 6.25% | 11.83% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KNSL | Kinsale Capital Group | 391.73 | -5.43 | -1.37% | |
| MKL | Markel Corporation | 1954.51 | -82.81 | -4.06% | |
| RLI | RLI Corp | 68.91 | 11.74 | 20.53% | |
| WRB | W. R. Berkley Corporation | 76.71 | 3.78 | 5.18% | |
| PLMR | Palomar Holdings | 144.04 | 16.42 | 12.87% | |
| SKWD | Skyward Specialty Insurance Group, Inc. | 62.22 | 14.74 | 31.04% |
Kinsale Capital Group Corporate Events
Kinsale Capital announces CFO transition and board expansion
PositiveOn October 19, 2026, Kinsale Capital Group’s longtime Executive Vice President, Chief Financial Officer and Treasurer, Bryan P. Petrucelli, informed the company of his intention to retire from his executive roles effective March 2, 2027. On Oct...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 23, 2026