Kinsale Capital Group (KNSL) - 32.04% Below 52-Week High: Buy or Wait?

Stock Details

Kinsale Capital Group, Inc. (KNSL), a prominent company in the financial services sector within the insurance - property & casualty industry, is based in United States and primarily trades on the NYQ.Currently, the stock is trading at $348.45. Over the past 52 weeks, it has ranged between $287.20 and $512.76. This places the current price at 68.0% of its 52-week high and 21.3% above its 52-week low. Recent trading volume was recorded at 85,078. The 14-day Relative Strength Index (RSI) stands at 71.58, suggesting overbought conditions. The stock is currently trading above its 50-day moving average of $313.75 by 11.06%. Similarly, it is below its 200-day moving average of $372.19 by 6.38%. The MACD histogram is 5.47, indicating bullish momentum (MACD Line: 7.45, Signal Line: 1.99). The International Securities Identification Number (ISIN) for this stock is US49714P1084.

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

15.63

Near market average

Forward P/E

16.37

Earnings expected to decline

PEG Ratio

1.15

Reasonably valued

Price to Book

4.16

EV/EBITDA

12.05

EPS (TTM)

$22.71

Price to Sales

4.27

Beta

0.90

Less volatile than market

Q:How is KNSL valued relative to its earnings and growth?

Kinsale Capital Group, Inc. trades at a P/E ratio of 15.63, which is near the market average of approximately 20, suggesting the market views it as fairly valued relative to its earnings. Looking ahead, the forward P/E of 16.37 is higher than the current P/E, indicating analysts expect earnings to decline over the next year. The PEG ratio of 1.15 indicates reasonable value when growth is considered.

Q:What is KNSL's risk profile compared to the market?

With a beta of 0.90, Kinsale Capital Group, Inc. is less volatile than the overall market. This means when the market moves up or down by 10%, this stock typically moves less than 10% in the same direction. Lower beta stocks are often preferred by conservative investors seeking stability. The price-to-book ratio of 4.16 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

27.48%

Operating Margin

30.60%

EBITDA

$679.37M

Return on Equity

29.68%

Return on Assets

7.36%

Revenue Growth (YoY)

10.20%

Earnings Growth (YoY)

27.40%

Q:How profitable and efficient is KNSL's business model?

Kinsale Capital Group, Inc. achieves a profit margin of 27.48%, meaning it retains $27.48 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 30.60% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 29.68% and ROA at 7.36%, the company generates strong returns on invested capital.

Q:What are KNSL's recent growth trends?

Kinsale Capital Group, Inc.'s revenue grew by 10.20% year-over-year, showing steady progress in growing the business. This positive trajectory indicates the company maintains competitive positioning in its markets. Earnings increased by 27.40% year-over-year, outpacing revenue growth through improved margins. These growth metrics should be evaluated against Insurance - Property & Casualty industry averages for proper context.

Dividend Information

Dividend Per Share

$1.00

Dividend Yield

0.28%

Ex-Dividend Date

May 28, 2026

Dividend Date

Jun 11, 2026

Q:What dividend income can investors expect from KNSL?

Kinsale Capital Group, Inc. offers a dividend yield of 0.28%, paying $1.00 per share annually. This modest yield below 2% suggests the company prioritizes growth investments over current income. While the dividend provides some return, investors are likely attracted more by capital appreciation potential than income generation. To receive the next dividend, shares must be purchased before the ex-dividend date of May 28, 2026.

Q:How reliable is KNSL's dividend for long-term investors?

The dividend sustainability can be assessed through the payout ratio - Kinsale Capital Group, Inc. pays $1.00 per share in dividends against earnings of $22.71 per share, resulting in a payout ratio of 4.40%. This conservative payout below 30% indicates excellent dividend safety with substantial room for future increases. The company retains most earnings for growth while still rewarding shareholders. The next dividend payment is scheduled for Jun 11, 2026.

Company Size & Market

Market Cap

$8.2B

Revenue (TTM)

$1.92B

Revenue/Share (TTM)

$83.03

Shares Outstanding

23.06M

Book Value/Share

$85.31

Asset Type

EQUITY

Q:What is KNSL's market capitalization and position?

Kinsale Capital Group, Inc. has a market capitalization of $8.2B, classifying it as a mid-cap stock ($2B-$10B). Mid-caps often represent companies in their growth phase, offering higher growth potential than large-caps but with more stability than small-caps. They can be attractive takeover targets and may become tomorrow's large-caps. With 23.06M shares outstanding, the company's ownership is relatively concentrated. As a participant in the Insurance - Property & Casualty industry, it competes with other firms in this sector.

Q:How does KNSL's price compare to its book value?

Kinsale Capital Group, Inc.'s book value per share is $85.31, while the current stock price is $348.45, resulting in a price-to-book (P/B) ratio of 4.08. This high P/B ratio indicates significant intangible assets, strong brand value, or high growth expectations. Technology and consumer brand companies often trade at elevated P/B ratios due to intellectual property and competitive advantages not reflected on the balance sheet. As EQUITY, this represents a specific type of security.

Analyst Ratings

Analyst Target Price

$345.00

0.99% downside potential

Analyst Recommendations

Strong Buy

Buy

Hold

Sell

Strong Sell

Q:How reliable are analyst predictions for KNSL?

13 analysts cover KNSL with 23% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The bearish sentiment could create opportunity if analysts are wrong. The consensus target of $345.00 implies -1.0% downside, but targets are often adjusted to follow price moves rather than predict them.

Q:What is the Wall Street consensus on KNSL?

Current analyst recommendations:1 Strong Buy, 2 Buy, 10 Hold, 00The neutral stance suggests uncertainty or fair valuation at current levels.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Jul 6, 2026, 02:11 AM

Technical Indicators

RSI (14-day)

71.58

Overbought

50-Day Moving Average

$313.75

11.06% above MA-50

200-Day Moving Average

$372.19

-6.38% below MA-200

MACD Line

7.45

MACD Signal

1.99

MACD Histogram

5.47

Bullish

Q:What does KNSL's RSI value tell investors?

The RSI (Relative Strength Index) for KNSL is currently 71.58, indicating the stock is in overbought territory (above 70). This suggests strong recent buying pressure that may be unsustainable. While overbought conditions can persist in strong trends, traders often watch for RSI divergences or a drop below 70 as potential sell signals. Combined with the price being above the 50-day moving average, this confirms bullish conditions.

Q:How should traders interpret KNSL's MACD and moving average crossovers?

MACD analysis shows the MACD line at 7.45 above the signal line at 1.99, with histogram at 5.47. This bullish crossover suggests upward momentum is building. The wide histogram confirms strong momentum. The 50-day MA ($313.75) is below the 200-day MA ($372.19), forming a death cross pattern that often warns of extended weakness. Price is currently between the MAs, suggesting transition.

Indicators last updated: Jul 6, 2026, 04:45 PM

Kinsale Capital Group, Inc. (KNSL) Stock