KNSL
Kinsale Capital Group, Inc.
Next earnings Jul 22, 2026 (after close) · consensus $5.18 EPS, $487M rev
Last earnings -0.5% on 2026-04-23
$328.43
▲ +6.48%$328.43▼ -31.14%
over 1Y
L $290.20EODHDH $488.76
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+6.5%
1W+11.3%
1M+7.4%
3M+0.4%
YTD-16.2%
1Y-31.1%
Buy
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 18 analysts
Hold
Best-in-class E&S specialty insurer compounding ~22% with a 26% ROE — a rare quality grower at just 14x earnings.
Diluted EPS $21.65 · FY2025
The read
Quality fundamentals and an attractive price line up (~150% below fair value) — the rarer case where both the business and the entry look good.
Kinsale Capital is one of the highest-quality compounders in the insurance industry, and FY2025 extends a remarkable record. Revenue grew 18.0% to $1.87B, net income rose 21.4% to $504M, and diluted EPS climbed 21.8% to $21.65 — capping a multi-year run that has more than tripled net income from $153M (FY2021). The company's excess & surplus (E&S) niche, technology-driven underwriting, and disciplined cost structure produce a 26.9% net margin and a 25.7% ROE — figures that put it at the very top of the property-casualty universe. Crucially, equity grew 32.1% to $1.96B and retained earnings 39.7% to $1.72B, showing the bulk of earnings is being retained to compound book value.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $653M | $839M | $1.22B | $1.59B | $1.87B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $153M | $159M | $308M | $415M | $504M |
| Diluted EPS | $6.62 | $6.88 | $13.22 | $17.78 | $21.65 |
| Net margin | 23.4% | 19.0% | 25.2% | 26.1% | 26.9% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF7.7
PEG (trailing)0.71
Earnings yield6.6%
FCF yield13.0%
Quality & risk
ROIC (est.)—
Free cash flow$990M
Total debt$224M
Net cash-$61.0M
Piotroski F-Score5/7
Capital returns
Buyback yield1.2%
Dividend yield (est.)0.2%
Shareholder yield1.4%
Shares Δ YoY-0.5%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-082026-06-09open ↗SCHEDULE 13G/AFiling2026-06-03open ↗4Period ending 2026-05-262026-05-27open ↗144Filing2026-05-26open ↗4Period ending 2026-05-212026-05-26open ↗8-KPeriod ending 2026-05-212026-05-21open ↗SCHEDULE 13G/AFiling2026-05-15open ↗SCHEDULE 13GFiling2026-05-14open ↗4Period ending 2026-05-082026-05-12open ↗4Period ending 2026-05-052026-05-06open ↗13F-HRPeriod ending 2026-03-312026-05-06open ↗144Filing2026-05-05open ↗
Frequently asked
- Is Kinsale Capital Group, Inc. (KNSL) a buy?
- KNSL currently carries a Buy rating with 5/5 conviction, derived from its latest SEC filings. Best-in-class E&S specialty insurer compounding ~22% with a 26% ROE — a rare quality grower at just 14x earnings.
- What is KNSL's fair value?
- A Modified-Graham model based on KNSL's SEC fundamentals estimates a fair value of about $822.70. It is an estimate from reported earnings, not a price target.
- Is KNSL overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, KNSL currently appears undervalued relative to its SEC-grounded earnings power.
- What is Kinsale Capital Group, Inc.'s quality score?
- KNSL scores 82.17647058823528/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001669162, latest 10-Q filed 2026-04-23) · EODHD · analysis by claude-code · as of 6/21/2026, 8:54:56 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.