At a glance · who leads each dimension, on the model's own rules
CheapestORI8.4x
Fastest growthKNSL+18.0%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
KNSL
ORI
+18.0%B+
Rev
+11.0%B
13.7xB
P/E
8.4xA-
30.3%A
ROE
18.6%B+
3.77C
P/B
1.51B
0.3%C
Yield
3.3%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Insurance - Property & Casualty · market cap $7.7b. Down 29% from 52-week high of $477.02 — deep drawdown territory. Revenue growing +18%, comfortably above the S&P median. 9 sell-side analysts rate this a Hold with a mean 1-yr target of $349.44 (implying +4% upside).
Moat
Net margin 28% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 30% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Insurance - Property & Casualty · market cap $9.2b. 18% off the 52-week high of $46.76. Revenue growing +11%, comfortably above the S&P median.
Moat
ROE 19% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is KNSL or ORI the better stock?
On the Bull Rankings quality-growth score they are level: KNSL and ORI both score 77.0 out of 100. The score blends business quality, growth and valuation into one number, so a tie means the model sees no meaningful edge either way — the pillar breakdown on this page shows where each is actually stronger.
How are KNSL and ORI scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.