Kinsale Capital Group, Inc. (KNSL) Financial Ratios
12 years of historical data (2014–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↓
11.27
↓-51% vs avg
5yr avg: 22.96
30Y Low14.3·High44.5
P/FCF
↓
7.22
↓-34% vs avg
5yr avg: 10.88
30Y Low9.1·High18.5
P/B Ratio
↓
3.67
↓-48% vs avg
5yr avg: 7.02
30Y Low3.4·High8.1
ROE
↑
29.3%
↓+4% vs avg
5yr avg: 28.2%
30Y Low11%·High34%
Debt/EBITDA
↓
0.35
↓-33% vs avg
5yr avg: 0.52
30Y Low0.2·High1.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
KNSL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Kinsale Capital Group, Inc. trades at 14.3x earnings, 50% below its 5-year average of 28.7x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 5%. On a free-cash-flow basis, the stock trades at 7.2x P/FCF, 34% below the 5-year average of 10.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $7.2B | $9.1B | $10.9B | $7.8B | $6.0B | $5.5B | $4.6B | $2.3B | $1.2B | $967M | $717M |
| Enterprise Value | $7.2B | $9.2B | $10.9B | $7.9B | $6.1B | $5.5B | $4.5B | $2.2B | $1.1B | $886M | $666M |
| P/E Ratio → | 14.27 | 18.07 | 26.16 | 25.33 | 38.01 | 35.94 | 51.71 | 35.55 | 35.62 | 38.79 | 27.43 |
| P/S Ratio | 3.82 | 4.85 | 6.84 | 6.37 | 7.21 | 8.40 | 9.94 | 7.12 | 5.42 | 5.18 | 5.06 |
| P/B Ratio | 3.67 | 4.64 | 7.32 | 7.18 | 8.11 | 7.84 | 7.94 | 5.54 | 4.56 | 4.06 | 3.41 |
| P/FCF | 7.22 | 9.19 | 11.40 | 9.15 | 10.98 | 13.68 | 18.51 | 14.18 | 11.73 | 12.53 | 9.79 |
| P/OCF | 6.85 | 8.72 | 11.12 | 9.08 | 10.84 | 13.48 | 16.33 | 12.62 | 11.59 | 12.50 | 9.72 |
P/E links to full P/E history page with 30-year chart
KNSL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Kinsale Capital Group, Inc.'s enterprise value stands at 11.3x EBITDA, 51% below its 5-year average of 23.0x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.89 | 6.88 | 6.42 | 7.26 | 8.34 | 9.87 | 6.86 | 5.09 | 4.74 | 4.70 |
| EV / EBITDA | 11.27 | 14.31 | 20.99 | 20.30 | 30.70 | 28.52 | 44.50 | 28.24 | 27.48 | 22.69 | 16.58 |
| EV / EBIT | 11.37 | 14.20 | 20.81 | 19.94 | 30.46 | 28.72 | 45.13 | 28.49 | 27.91 | 22.99 | 16.84 |
| EV / FCF | — | 9.25 | 11.47 | 9.22 | 11.05 | 13.59 | 18.37 | 13.65 | 11.00 | 11.47 | 9.10 |
KNSL Profitability
Margins and return-on-capital ratios measuring operating efficiency
Kinsale Capital Group, Inc. earns an operating margin of 33.8%, above the Financial Services sector average of 20.3%. Operating margins have expanded from 31.4% to 33.8% over the past 3 years, signaling improving operational efficiency. ROE of 29.3% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 26.6% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.5% | 52.5% | 42.9% | 41.7% | 34.2% | 39.2% | 30.9% | 34.9% | 30.5% | 33.1% | 45.6% |
| Operating Margin | 33.8% | 33.8% | 32.4% | 31.4% | 23.3% | 28.9% | 21.8% | 24.1% | 18.2% | 20.6% | 27.9% |
| Net Profit Margin | 26.9% | 26.9% | 26.1% | 25.2% | 19.0% | 23.4% | 19.2% | 20.0% | 15.2% | 13.3% | 18.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 29.3% | 29.3% | 32.3% | 33.6% | 22.0% | 23.9% | 18.0% | 18.9% | 13.5% | 11.1% | 16.2% |
| ROA | 9.5% | 9.5% | 9.6% | 9.5% | 6.7% | 8.5% | 6.7% | 6.8% | 4.7% | 3.9% | 4.5% |
| ROIC | 26.6% | 26.6% | 28.6% | 29.9% | 20.3% | 23.5% | 17.4% | 22.3% | 17.6% | 18.3% | 21.3% |
| ROCE | 14.2% | 14.2% | 11.9% | 21.7% | 8.2% | 39.7% | 7.6% | 8.2% | 5.7% | 6.1% | 7.0% |
KNSL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Kinsale Capital Group, Inc. carries a Debt/EBITDA ratio of 0.4x, which is very conservative (92% below the sector average of 4.3x). Net debt stands at $61M ($224M total debt minus $163M cash). Interest coverage of 60.6x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.12 | 0.17 | 0.26 | 0.12 | 0.07 | 0.04 | — | — | — |
| Debt / EBITDA | 0.35 | 0.35 | 0.35 | 0.47 | 0.99 | 0.45 | 0.42 | 0.22 | — | — | — |
| Net Debt / Equity | — | 0.03 | 0.05 | 0.05 | 0.05 | -0.05 | -0.06 | -0.21 | -0.28 | -0.34 | -0.24 |
| Net Debt / EBITDA | 0.10 | 0.10 | 0.14 | 0.15 | 0.20 | -0.19 | -0.34 | -1.09 | -1.83 | -2.09 | -1.26 |
| Debt / FCF | — | 0.06 | 0.07 | 0.07 | 0.07 | -0.09 | -0.14 | -0.53 | -0.73 | -1.06 | -0.69 |
| Interest Coverage | 60.58 | 60.58 | 51.79 | 38.28 | 46.65 | 190.94 | 598.70 | — | — | — | — |
KNSL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.35x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.35 | 0.35 | — | 0.35 | — | 1.33 | — | — | 57.25 | 59.61 | 5.27 |
| Quick Ratio | 0.35 | 0.35 | — | 0.35 | — | 1.33 | — | — | 57.25 | 59.61 | 5.27 |
| Cash Ratio | 0.20 | 0.20 | — | 1.91 | — | 1.15 | — | — | 50.22 | 57.58 | 37.40 |
| Asset Turnover | — | 0.33 | 0.32 | 0.32 | 0.31 | 0.32 | 0.30 | 0.29 | 0.29 | 0.28 | 0.23 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
KNSL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Kinsale Capital Group, Inc. returns 1.5% to shareholders annually — split between a 0.2% dividend yield and 1.3% buyback yield. The payout ratio of 3.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.5% | 0.5% | 0.3% |
| Payout Ratio | 3.1% | 3.1% | 3.4% | 4.2% | 7.5% | 6.6% | 9.1% | 10.9% | 17.5% | 20.2% | 8.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.0% | 5.5% | 3.8% | 3.9% | 2.6% | 2.8% | 1.9% | 2.8% | 2.8% | 2.6% | 3.6% |
| FCF Yield | 13.8% | 10.9% | 8.8% | 10.9% | 9.1% | 7.3% | 5.4% | 7.1% | 8.5% | 8.0% | 10.2% |
| Buyback Yield | 1.3% | 1.0% | 0.2% | 0.1% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 1.5% | 1.2% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.3% | 0.5% | 0.5% | 0.3% |
| Shares Outstanding | — | $23M | $23M | $23M | $23M | $23M | $23M | $22M | $22M | $21M | $21M |
Peer Comparison
Compare KNSL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 KNSLYou | $7B | 14.3 | 11.3 | 7.2 | 52.5% | 33.8% | 29.3% | 26.6% | 0.4 |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 RLI | $5B | 12.2 | 9.4 | 8.0 | 29.8% | 27.5% | 24.4% | 22.8% | 0.2 |
 JRVR | $182M | 5.0 | 5.0 | — | 28.4% | 7.4% | 7.5% | 5.9% | 6.6 |
 SKWD | $2B | 12.4 | 10.0 | 5.6 | 44.0% | 15.3% | 18.9% | 18.5% | 0.5 |
 HRTG | $706M | 3.7 | 0.9 | 4.1 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 AIG | $40B | 13.6 | 6.5 | 12.0 | 34.5% | 14.5% | 7.4% | 5.9% | 1.3 |
 MKL | $23B | 10.9 | 8.0 | 9.0 | 69.4% | 16.5% | 11.5% | 10.7% | 1.5 |
 WRB | $25B | 15.1 | 11.1 | 7.3 | 19.8% | 15.9% | 19.6% | 18.2% | 1.2 |
 HIG | $35B | 9.6 | 7.7 | 6.1 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
 CNA | $12B | 9.5 | 8.6 | 5.0 | 30.7% | 11.0% | 11.5% | 8.9% | 1.8 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 12 years · Updated daily
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KNSL — Frequently Asked Questions
Quick answers to the most common questions about buying KNSL stock.
What is Kinsale Capital Group, Inc.'s P/E ratio?
Kinsale Capital Group, Inc.'s current P/E ratio is 14.3x. The historical average is 33.3x.
What is Kinsale Capital Group, Inc.'s EV/EBITDA?
Kinsale Capital Group, Inc.'s current EV/EBITDA is 11.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 25.4x.
What is Kinsale Capital Group, Inc.'s ROE?
Kinsale Capital Group, Inc.'s return on equity (ROE) is 29.3%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 21.2%.
Is KNSL stock overvalued?
Based on historical data, Kinsale Capital Group, Inc. is trading at a P/E of 14.3x. Compare with industry peers and growth rates for a complete picture.
What is Kinsale Capital Group, Inc.'s dividend yield?
Kinsale Capital Group, Inc.'s current dividend yield is 0.22% with a payout ratio of 3.1%.
What are Kinsale Capital Group, Inc.'s profit margins?
Kinsale Capital Group, Inc. has 52.5% gross margin and 33.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Kinsale Capital Group, Inc. have?
Kinsale Capital Group, Inc.'s Debt/EBITDA ratio is 0.4x, indicating low leverage. A ratio below 2x is generally considered financially healthy.