Bull Rankings model

Kinsale Capital Group, Inc. (KNSL) stock analysis

Insurance - Property & Casualty. Scored on the same transparent model behind the daily rankings.

★
KNSL
Kinsale Capital Group, Inc. · Insurance - Property & Casualty
59.3Financial strength
$336.98Oct 9 close$7.7B
1Y Target$349.44Analyst consensus · 9 analysts
5Y Target$511.62Compound horizon
10Y Target$758.96Long-dated conviction
Rev+18.0%
B+
Revenue +18.0% — above sector median, healthy trajectory
P/E13.7x
B
P/E 13.7 — near the Financial Services median (≈60th pctile)
ROE30.3%
A
ROE 30.3% — world-class capital efficiency
P/B3.77
C
P/B 3.77 — expensive; pricing in strong ROE
Yield0.3%
C
Yield 0.3% — minimal

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 59.3 / 100
Profitability100.0
Value (P/B)19.8
Income33.6

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
29% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
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.
Horizon
1-3 yr $349.44 (9-analyst consensus) — fundamentals + valuation re-rating. 5 yr $511.62 at ~9% CAGR — compounding case rests on the competitive position widening. 10 yr $758.96 if current growth sustains into durable earnings power.

Not enough history yet — the model records KNSL's score after each daily run, and the chart appears once a few days have accumulated.

KNSL at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY100VALUE20COVERED INCOME3459.3/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock-28%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$337LOW $287HIGH $477Trading at the 26th percentile of its 52-week range ($287–$477).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.3%
90-day change-0.1%
Forward EPS estimate$21.70

Over the last 90 days, what analysts expect KNSL to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
5
Position size
$1,685
3.4% of portfolio
Stop price
$252.74
25% below $336.98
$ at risk if stopped
$421.23
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Kinsale Capital Group, Inc. (KNSL): score, valuation & FAQ

Kinsale Capital Group, Inc. (KNSL) is an Insurance - Property & Casualty company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are ROE (A) and Rev (B+).

Is KNSL a good stock to buy?

Bull Rankings grades KNSL on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by ROE (A) and Rev (B+). A score is a quantitative screen of Kinsale Capital Group, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade KNSL?

As a bank, insurer or REIT, KNSL isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on ROE (A) and Rev (B+).

Is KNSL overvalued or undervalued?

We don't publish a discounted-cash-flow value for KNSL, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. KNSL is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in KNSL?

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.

New to these metrics? See the guides and the methodology.

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