ASIC
Ategrity Specialty Holdings LLC
Insurance - Property & Casualty
Market Cap$933M
5Y Perf.-9.8%
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Stock Comparison
ASIC vs KNSL
Revenue, margins, valuation, and 5-year total return — side by side.
KNSL
Kinsale Capital Group, Inc.
Insurance - Property & Casualty
Market Cap$7.15B
5Y Perf.-36.2%
ASIC vs KNSL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ASIC | KNSL |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| Market Cap | $933M | $7.15B |
| Revenue (TTM) | $424M | $1.92B |
| Net Income (TTM) | $74M | $527M |
| Gross Margin | 50.0% | 36.9% |
| Operating Margin | 22.6% | 27.2% |
| Forward P/E | 10.0x | 15.0x |
| Total Debt | $0.00 | $224M |
| Cash & Equiv. | $30M | $163M |
ASIC vs KNSL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ASIC
KNSL
| Stock | Jun 25 | May 26 | Return |
|---|---|---|---|
| Ategrity Specialty … (ASIC) | 100 | 90.2 | -9.8% |
| Kinsale Capital Gro… (KNSL) | 100 | 63.8 | -36.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ASIC vs KNSL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ASIC leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Kinsale Capital Group, Inc. is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
ASIC
Ategrity Specialty Holdings LLC
The Insurance Pick
ASIC carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 23.4%, EPS growth 66.7%
- Beta 0.31, yield 0.8%, current ratio 0.69x
- 23.4% revenue growth vs KNSL's 18.0%
Best for: growth exposure and defensive
KNSL
Kinsale Capital Group, Inc.
The Insurance Pick
KNSL is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 10 yrs, beta 0.29, yield 0.2%
- 16.1% 10Y total return vs ASIC's -21.4%
- Lower volatility, beta 0.29, Low D/E 11.5%, current ratio 0.35x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ASIC | 23.4% revenue growth vs KNSL's 18.0% |
| Value | ASIC | Lower P/E (10.0x vs 15.0x) |
| Quality / Margins | KNSL | Combined ratio 0.7 vs ASIC's 0.8 (lower = better underwriting) |
| Stability / Safety | KNSL | Beta 0.29 vs ASIC's 0.31 |
| Dividends | ASIC | 0.8% yield, 1-year raise streak, vs KNSL's 0.2% |
| Momentum (1Y) | ASIC | -21.4% vs KNSL's -32.7% |
| Efficiency (ROA) | KNSL | 9.1% ROA vs ASIC's 5.4%, ROIC 26.6% vs 15.0% |
ASIC vs KNSL — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
ASIC vs KNSL — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLKNSLLAGGINGASIC
ASICAtegrity Specialty Ho…
1leads
KNSLKinsale Capital Group…
2leads
6 Total Categories
CATEGORYLEADERvs ASICMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
KNSL3/4
Valuation MetricsMultiples, price ratios, and targets
ASIC6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
KNSL4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
KNSL leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
KNSL is the larger business by revenue, generating $1.9B annually — 4.5x ASIC's $424M. KNSL is the more profitable business, keeping 27.5% of every revenue dollar as net income compared to ASIC's 17.4%.
| Metric | ASICAtegrity Specialt… | KNSLKinsale Capital G… |
|---|---|---|
| RevenueTrailing 12 months | $424M | $1.9B |
| EBITDAEarnings before interest/tax | $97M | $533M |
| Net IncomeAfter-tax profit | $74M | $527M |
| Free Cash FlowCash after capex | $100M | $1.0B |
| Gross MarginGross profit ÷ Revenue | +50.0% | +36.9% |
| Operating MarginEBIT ÷ Revenue | +22.6% | +27.2% |
| Net MarginNet income ÷ Revenue | +17.4% | +27.5% |
| FCF MarginFCF ÷ Revenue | +23.5% | +52.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +10.2% |
| EPS Growth (YoY)Latest quarter vs prior year | — | -100.0% |
KNSL leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
ASIC leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 12.1x trailing earnings, ASIC trades at a 15% valuation discount to KNSL's 14.3x P/E. On an enterprise value basis, ASIC's 9.3x EV/EBITDA is more attractive than KNSL's 11.3x.
| Metric | ASICAtegrity Specialt… | KNSLKinsale Capital G… |
|---|---|---|
| Market CapShares × price | $933M | $7.2B |
| Enterprise ValueMkt cap + debt − cash | $903M | $7.2B |
| Trailing P/EPrice ÷ TTM EPS | 12.13x | 14.26x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.99x | 14.96x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.35x |
| EV / EBITDAEnterprise value multiple | 9.29x | 11.27x |
| Price / SalesMarket cap ÷ Revenue | 2.20x | 3.82x |
| Price / BookPrice ÷ Book value/share | 1.46x | 3.67x |
| Price / FCFMarket cap ÷ FCF | 6.63x | 7.22x |
ASIC leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
Evenly matched — ASIC and KNSL each lead in 4 of 8 comparable metrics.
Profitability & Efficiency
KNSL delivers a 28.0% return on equity — every $100 of shareholder capital generates $28 in annual profit, vs $14 for ASIC. On the Piotroski fundamental quality scale (0–9), KNSL scores 7/9 vs ASIC's 6/9, reflecting strong financial health.
| Metric | ASICAtegrity Specialt… | KNSLKinsale Capital G… |
|---|---|---|
| ROE (TTM)Return on equity | +13.5% | +28.0% |
| ROA (TTM)Return on assets | +5.4% | +9.1% |
| ROICReturn on invested capital | +15.0% | +26.6% |
| ROCEReturn on capital employed | +18.7% | +14.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | — | 0.11x |
| Net DebtTotal debt minus cash | -$30M | $61M |
| Cash & Equiv.Liquid assets | $30M | $163M |
| Total DebtShort + long-term debt | $0 | $224M |
| Interest CoverageEBIT ÷ Interest expense | 71.63x | 47.02x |
Evenly matched — ASIC and KNSL each lead in 4 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
KNSL leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in KNSL five years ago would be worth $18,525 today (with dividends reinvested), compared to $7,865 for ASIC. Over the past 12 months, ASIC leads with a -21.4% total return vs KNSL's -32.7%. The 3-year compound annual growth rate (CAGR) favors KNSL at -2.3% vs ASIC's -7.7% — a key indicator of consistent wealth creation.
| Metric | ASICAtegrity Specialt… | KNSLKinsale Capital G… |
|---|---|---|
| YTD ReturnYear-to-date | -3.7% | -21.2% |
| 1-Year ReturnPast 12 months | -21.4% | -32.7% |
| 3-Year ReturnCumulative with dividends | -21.4% | -6.9% |
| 5-Year ReturnCumulative with dividends | -21.4% | +85.2% |
| 10-Year ReturnCumulative with dividends | -21.4% | +1606.7% |
| CAGR (3Y)Annualised 3-year return | -7.7% | -2.3% |
KNSL leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — ASIC and KNSL each lead in 1 of 2 comparable metrics.
Risk & Volatility
KNSL is the less volatile stock with a 0.29 beta — it tends to amplify market swings less than ASIC's 0.31 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ASIC currently trades 76.7% from its 52-week high vs KNSL's 60.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ASICAtegrity Specialt… | KNSLKinsale Capital G… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.31x | 0.29x |
| 52-Week HighHighest price in past year | $25.30 | $512.76 |
| 52-Week LowLowest price in past year | $16.35 | $293.78 |
| % of 52W HighCurrent price vs 52-week peak | +76.7% | +60.2% |
| RSI (14)Momentum oscillator 0–100 | 45.7 | 26.3 |
| Avg Volume (50D)Average daily shares traded | 88K | 256K |
Evenly matched — ASIC and KNSL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — ASIC and KNSL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates ASIC as "Buy" and KNSL as "Hold". Consensus price targets imply 40.2% upside for KNSL (target: $433) vs 31.4% for ASIC (target: $26). For income investors, ASIC offers the higher dividend yield at 0.76% vs KNSL's 0.22%.
| Metric | ASICAtegrity Specialt… | KNSLKinsale Capital G… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $25.50 | $433.00 |
| # AnalystsCovering analysts | 4 | 13 |
| Dividend YieldAnnual dividend ÷ price | +0.8% | +0.2% |
| Dividend StreakConsecutive years of raises | 1 | 10 |
| Dividend / ShareAnnual DPS | $0.15 | $0.68 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +1.3% |
Evenly matched — ASIC and KNSL each lead in 1 of 2 comparable metrics.
Key Takeaway
KNSL leads in 2 of 6 categories (Income & Cash Flow, Total Returns). ASIC leads in 1 (Valuation Metrics). 3 tied.
Best OverallKinsale Capital Group, Inc. (KNSL)Leads 2 of 6 categories
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ASIC vs KNSL: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ASIC or KNSL a better buy right now?
For growth investors, Ategrity Specialty Holdings LLC (ASIC) is the stronger pick with 23.
4% revenue growth year-over-year, versus 18. 0% for Kinsale Capital Group, Inc. (KNSL). Ategrity Specialty Holdings LLC (ASIC) offers the better valuation at 12. 1x trailing P/E (10. 0x forward), making it the more compelling value choice. Analysts rate Ategrity Specialty Holdings LLC (ASIC) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — ASIC or KNSL?
On trailing P/E, Ategrity Specialty Holdings LLC (ASIC) is the cheapest at 12.
1x versus Kinsale Capital Group, Inc. at 14. 3x. On forward P/E, Ategrity Specialty Holdings LLC is actually cheaper at 10. 0x.
03Which is the better long-term investment — ASIC or KNSL?
Over the past 5 years, Kinsale Capital Group, Inc.
(KNSL) delivered a total return of +85. 2%, compared to -21. 4% for Ategrity Specialty Holdings LLC (ASIC). Over 10 years, the gap is even starker: KNSL returned +1607% versus ASIC's -21. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — ASIC or KNSL?
By beta (market sensitivity over 5 years), Kinsale Capital Group, Inc.
(KNSL) is the lower-risk stock at 0. 29β versus Ategrity Specialty Holdings LLC's 0. 31β — meaning ASIC is approximately 9% more volatile than KNSL relative to the S&P 500.
05Which is growing faster — ASIC or KNSL?
By revenue growth (latest reported year), Ategrity Specialty Holdings LLC (ASIC) is pulling ahead at 23.
4% versus 18. 0% for Kinsale Capital Group, Inc. (KNSL). On earnings-per-share growth, the picture is similar: Ategrity Specialty Holdings LLC grew EPS 66. 7% year-over-year, compared to 21. 8% for Kinsale Capital Group, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — ASIC or KNSL?
Kinsale Capital Group, Inc.
(KNSL) is the more profitable company, earning 26. 9% net margin versus 17. 4% for Ategrity Specialty Holdings LLC — meaning it keeps 26. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KNSL leads at 33. 8% versus 22. 6% for ASIC. At the gross margin level — before operating expenses — KNSL leads at 52. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is ASIC or KNSL more undervalued right now?
On forward earnings alone, Ategrity Specialty Holdings LLC (ASIC) trades at 10.
0x forward P/E versus 15. 0x for Kinsale Capital Group, Inc. — 5. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for KNSL: 40. 2% to $433. 00.
08Which pays a better dividend — ASIC or KNSL?
All stocks in this comparison pay dividends.
Ategrity Specialty Holdings LLC (ASIC) offers the highest yield at 0. 8%, versus 0. 2% for Kinsale Capital Group, Inc. (KNSL).
09Is ASIC or KNSL better for a retirement portfolio?
For long-horizon retirement investors, Kinsale Capital Group, Inc.
(KNSL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 29), +1607% 10Y return). Both have compounded well over 10 years (KNSL: +1607%, ASIC: -21. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between ASIC and KNSL?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
ASIC pays a dividend while KNSL does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(ASIC: 23.4% · KNSL: 10.2%)Net Margin>
%
(ASIC: 17.4% · KNSL: 27.5%)P/E Ratio<
x
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