Kinsale Capital Group, Inc.
$290.20
+0.47%Kinsale Capital Group, Inc., a specialty insurance company, provides property and casualty insurance products in the United States. The company's commercial lines offerings include construction, small business, excess and general casualty, commercial property, allied health, life sciences, energy, environmental, health care, inland marine, public entity, and commercial insurance, as well as product, professional, and management liability insurance. It markets and sells its 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. The company was founded in 2009 and is headquartered in Richmond, Virginia.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 13.3).
Valuation inputs: P/E 13.3, earnings yield +7.5%, momentum +0.5%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is strong (ROE +25.7%, ROIC +23.0%).
Profitability stack: net margin +26.9%, ROE +25.7%, ROIC +23.0%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile looks controlled across current risk inputs.
Risk factors: liabilities/assets +67.6%, momentum +0.5%, net margin +26.9%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Kinsale Capital Group, Inc. Market vs Earnings Trajectory
Loading price and EPS data...
Kinsale Capital Group, Inc. Fair Value Envelope
Kinsale Capital Group, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Kinsale Capital Group, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Kinsale Capital Group, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Balanced asset mix between current and non-current assets, typical of many stable businesses.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
Kinsale Capital Group, Inc. Street Expectations Map
Wall Street analysts project that KNSL stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 433.00, with estimates ranging from a low of 433.00 to a high of 433.00.
The consensus 1-year price target stands at 433.00, with estimates ranging from a low of 433.00 to a high of 433.00.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.
Kinsale Capital Group, Inc. Insider Positioning
During the last 12 months, insiders have purchased $37K and sold $5.08M worth of KNSL shares, resulting in $5.05M of net selling activity.
3 Months
0
0.00
2.0K
595.10K
-595K
-$595K
3-6 Months
94
37.22K
10.1K
3.80M
-3.8M
-$3.77M
6-9 Months
0
0.00
0
0.00
+0
+$0
9-12 Months
0
0.00
1.4K
683.05K
-683K
-$683K
Top Buyers
Share Gregory M
Director
$37K
Top Sellers
Petrucelli Bryan P.
Officer: Evp, Cfo And Treasurer
$1.93M
Russell Frederick L. Jr.
Director
$1.82M
Schnupp Diane D.
Officer: Evp, Chief Information Officer
$660K
Kehoe Michael P
Director, Officer: Chairman President And Ceo
$541K
Allibhai Salmaan K.
Officer: Chief Analytics & Tech Officer
$78K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $5.05M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
knsl Dividend History
Learning Layer
Related Guides
Build conviction on KNSL by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.