Kinsale Capital Group, Inc. (KNSL) AI Stock Analysis

Kinsale Capital Group, Inc., based in Richmond, Virginia, provides property and casualty insurance products across the United States. Founded in 2009, the company delivers tailored insurance solutions primarily to commercial clients, spanning construction, small business, casualty, property, allied health, life sciences, energy, environmental, healthcare, inland marine, and public entity insurance. Kinsale distributes its products through independent insurance brokers in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Its operations emphasize risk assessment and underwriting across product, professional, and management liability insurance to help mitigate client risks.

Revenue expanded from $653.5M in FY2021 to $1.87B in FY2025, recording a 5-year revenue compound annual growth rate of 32.4%. Annual revenue grew 28.4% in FY2022, 46.0% in FY2023, 29.7% in FY2024, and 18.0% in FY2025. Over the same timeframe, net income rose from $152.7M in FY2021 to $503.6M in FY2025, while diluted earnings per share grew from $5.74 to $19.51. Operating margins expanded from 28.9% in FY2021 to 33.8% in FY2025, alongside a gross margin of 52.5% in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue grew 16.8% year-over-year and quarterly earnings grew 34.0%. TTM revenue stood at $2.00B with diluted EPS of $24.65.

As of June 30, 2026, Kinsale held $210.5M in cash and short-term investments alongside total debt of $224.5M, resulting in net debt of $14.0M. Shareholders' equity was $2.04B and total assets were $6.43B, with a debt-to-equity ratio of 0.11 and a current ratio of 0.41. In FY2025, the company generated $1.04B in operating cash flow and $990.1M in free cash flow. Capital allocation in FY2025 included $53.7M for capital expenditures, $90.0M for share buybacks, and $15.8M in dividend payments.

Kinsale trades at a trailing price-to-earnings ratio of 14.8x and a forward price-to-earnings ratio of 15.1x, higher than the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales ratio is 4.2x versus the peer median of 3.2x, while its price-to-book ratio is 3.8x and enterprise value to revenue is 3.9x. Over the past year, the stock fell 16.5%, lagging the S&P 500 return of 16.8%. Over five years, KNSL returned 122.9%, outperforming the S&P 500 return of 83.0%.

Kinsale pays an annualized forward dividend of $1.00 per share, delivering a dividend yield of 0.27% with a payout ratio of 4.2%. The dividend is paid quarterly and has been distributed for 11 consecutive years, with a 5-year annualized dividend growth rate of 13.6%. The company's last ex-dividend date was August 28, 2026.

Wall Street coverage on Kinsale includes 1 Strong Buy, 9 Holds, and 2 Strong Sells. The mean price target of $346.22 sits 5.2% below the last close of $365.24. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $1.97B and EPS of $21.41. For the next fiscal year, 11 analysts project revenue of $1.95B and EPS of $21.70. Kinsale beat earnings estimates in each of the last 4 quarters, and its next earnings date is October 22, 2026.

This page is an AI-written research summary of Kinsale Capital Group, Inc. (KNSL). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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