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Kinsale Capital

NYSE: KNSL

Stock price

368.22 USD

(+96.75%) 5 years

insuranceInsurance - Property & Casualty

Financial Performance

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5Y price score: 149

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 1,531.5%

DATE RANGE:

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  • Free cash flow per share

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287.2

52-week range

421.9

368.215

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Required return / cost of capital
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FCFF terminal growth rate
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Your fair value & Margin of safety

To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

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Free Cash Flow Yield

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FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

11.6 %

Dividend Yield TTM

0.2 %

Market cap $

$ 8,289

Price / Earnings TTM

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P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

16

Price / Book TTM

4.3

PEG TTM

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Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

0.7

Earnings growth and return

LTM

5YR

10YR

Total return (price & dividends)

(8.6) %

98.2 %

1,531.5 %

Free cash flow per share growth

(6.5) %

293.7 %

1,037.4 %

Earnings per share growth

(28.4) %

459.4 %

1,942.5 %

Founded: 2,009

Employees: 561

Business Summary:Kinsale Capital Group, Inc., a specialty insurance company, provides property and casualty insurance products in the United States. The company's commercial lines offerings include construction, small business, excess and general casualty, commercial property, allied health, life sciences, energy, environmental, health care, inland marine, public entity, and commercial insurance, as well as product, professional, and management liability insurance. It markets and sells its insurance products in all 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the U.S. Virgin Islands primarily through a network of independent insurance brokers. The company was founded in 2009 and is headquartered in Richmond, Virginia.

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Fair Value Reference Estimate

Latest Earnings Call Takeaways

2026 Q3 (Oct 23, 2026)

1) Leadership Changes and Strategic Focus
- Bryan Paul Petrucelli announced his retirement as CFO, effective next year, and will join the Board of Directors.
- Christopher R. Tangard will succeed him as CFO in March 2027, bringing seven years of experience with Kinsale.
- Kinsale continues to prioritize profit over growth while seeking to expand through new products, broker appointments, and enhanced customer service.

2) Financial Performance and Metrics
- Diluted operating earnings per share rose by 9.4% YoY, with an annualized operating return on equity (ROE) of 25.6% for the first nine months.
- Gross written premiums decreased by 4.8%, while net written premiums fell by 1.5%.
- The combined ratio for Q3 was 75.4%, slightly up from 74.9% in Q3 2025.
- Net investment income increased 17.5% to $58.3 million, driven by a higher asset base and interest rates.

3) Market Conditions and Competitive Landscape
- The E&S market remains competitive, particularly in the commercial property division, which has impacted growth rates.
- Despite a decline in gross written premiums, Kinsale's submissions, quotes, and bind orders grew in the mid-single digits.
- The company is shifting focus from larger to smaller accounts, which is expected to maintain margins despite lower average premiums.

4) Operational Strategies and Technology
- Kinsale emphasizes technology as a core competency, with proprietary systems that enhance efficiency and customer service.
- The company has invested significantly in analytics and actuarial capabilities to improve risk segmentation and pricing.
- New product offerings and a robust distribution strategy are in place to drive growth, with plans to roll out additional products by year-end.

5) Guidance and Outlook
- Kinsale expects to maintain a quarterly share repurchase run rate of $100 million, consistent with previous quarters.
- The company does not foresee significant changes to its capital allocation strategy, focusing on growth and returning excess capital to shareholders.
- The competitive landscape is anticipated to remain challenging, particularly in the commercial property sector, but Kinsale's disciplined approach aims to sustain profitability.

Bottom line: Kinsale's strategic focus on maintaining profitability amidst competitive pressures, coupled with strong operational efficiencies and a commitment to technology, positions the company well for future growth, despite current challenges in premium volume and market conditions.

Annual Reports, Presentations And IR Contacts

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Kinsale Capital — Financial Overview, Stock Price, Market Cap

Kinsale Capital is a company. Founded in 2009. As of October 30, 2026, the company's market capitalization is $8288499316 with a current stock price of $368.21.