Key statistics

Is KNSL a good stock to buy in 2026?

Considering a P/E ratio of 13.59x, which is significantly below the sector average of 20x, KNSL stock appears attractively valued. Our discounted cash flow (DCF) model suggests a fair value of $530.42, indicating a substantial 70.1% upside potential from its current price. While analyst consensus leans towards “Hold,” 23.1% of analysts still rate KNSL a Buy, suggesting potential for upside for investors wondering if KNSL is a good stock to buy.

2026 KNSL price scenarios

Based on analyst consensus of $433 from 13 analysts. Not a prediction by Alert Invest.

About Kinsale Capital Group, Inc. (KNSL)

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.

Under the leadership of CEO Michael Patrick Kehoe, Kinsale Capital Group, Inc. operates with a dedicated team of 660 employees, specializing in the excess and surplus lines insurance market. This focus allows the company to underwrite risks that standard insurers avoid, providing a unique market position. Their agility and expertise in complex risks contribute to their distinctive strength in the competitive financial services landscape, setting them apart in the Property & Casualty insurance industry.

KNSL competitive moat and business analysis

Kinsale Capital Group, Inc. demonstrates a strong competitive advantage primarily through its focus on the excess and surplus lines insurance market. This niche specialization allows KNSL to command pricing power for unique and harder-to-place risks, translating into robust profitability. A net margin of 27.48% highlights their operational efficiency and disciplined underwriting, significantly outperforming many peers in the broader Financial Services sector. While specific ROE/ROIC data is not available, the exceptional net margin points to effective capital deployment within their specialized segment.

Currently, a detailed breakdown of revenue by specific segments or geographical regions for Kinsale Capital Group, Inc. is not publicly available. However, their operations span all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, indicating a broad national presence within the specialty insurance market.

The company’s revenue growth of 18.0% year-over-year underscores the expanding demand for specialized insurance products and KNSL’s ability to capture this market. This consistent growth trajectory reinforces the effectiveness of their business model and their capacity to maintain a strong competitive moat by serving segments with less competition. The favorable market dynamics for specialty insurance products suggest a positive trend for Kinsale’s continued growth and market penetration.

When evaluating KNSL stock against its peers, it’s essential to consider its distinct focus. While American Financial Group (AFG) offers a diversified insurance portfolio, and AXIS Capital Holdings (AXS) and CNA Financial Corporation (CNA) operate across various property, casualty, and specialty lines, Kinsale’s specific emphasis on excess and surplus lines provides a unique risk profile and growth opportunities. Comparing KNSL valuation metrics and growth rates with these larger, more diversified players helps to contextualize KNSL’s position in the broader Financial Services industry. For a detailed side-by-side analysis, explore KNSL vs AFG, KNSL vs AXS, and KNSL vs CNA.

Kinsale Capital Group, Inc. analyst rating

Based on 13 analysts. 23.1% rate KNSL Buy or Strong Buy.

A 23.1% ‘Buy’ rating among analysts, while not a majority, still indicates a segment of the market sees significant upside potential for KNSL stock. Given the Financial Services sector often sees a more cautious approach from analysts, this level of buy conviction, coupled with a solid price target, suggests a noteworthy positive outlook for Kinsale Capital Group.

Is KNSL undervalued or overvalued?

When assessing KNSL valuation, the P/E ratio stands out as a key indicator. At 13.59x, KNSL stock trades at a considerable discount compared to the Financial Services sector average P/E of 20x, suggesting it could be undervalued relative to its industry peers. This lower P/E ratio, despite strong profitability, points to a potentially attractive entry point for investors seeking value in the insurance sector.

Furthermore, our discounted cash flow (DCF) model calculates a fair value of $530.42 for KNSL, representing a robust 70.1% upside from its current trading price. This DCF analysis strongly supports the notion that KNSL stock is undervalued, offering significant long-term growth potential. Coupled with a strong FCF yield of 14.1%, these metrics collectively present a compelling case for a favorable KNSL valuation.

KNSL financial health & key metrics

For value investors, the financial health of Kinsale Capital Group presents a mixed yet compelling picture. The exceptionally low debt-to-equity ratio of 0.11x signifies robust financial stability, while a healthy FCF yield of 14.1% indicates strong cash generation. Although the current ratio is 0.85x which is tight, KNSL’s profitability is outstanding with a 27.48% net margin, and its revenue growth of 18.0% demonstrates a thriving business. The P/E ratio of 13.59x, significantly below the sector average of 20x, and a DCF fair value of $530.42, point to a potentially undervalued KNSL stock with substantial upside, making it an interesting candidate for those focused on intrinsic value.

Kinsale Capital Group, Inc. earnings history & next report

Kinsale Capital Group, Inc. reported EPS of $5.11, beating estimates by 8.72%. Next earnings: 2026-07-23 with EPS estimate of $5.08.

For the upcoming earnings report on 2026-07-23, investors will be closely watching Kinsale Capital Group’s ability to sustain its impressive growth momentum and profitability. The estimated EPS of $5.08 will be a key metric; any significant deviation could impact KNSL stock performance. Beyond the headline numbers, attention should be paid to management’s outlook on claims trends, underwriting margins, and any commentary on market conditions in the specialty insurance sector, which are crucial for assessing the long-term trajectory of KNSL’s financial health.

KNSL daily short volume

Short volume data from FINRA CNMS Consolidated — shares sold short in the most recent US trading session. A high short ratio can signal bearish conviction or a potential short squeeze. Updated every trading day.

KNSL insider trading activity

Corporate insiders must report trades to the SEC within two business days.

Source: SEC Form 4 via EDGAR · Data: Financial Modeling Prep · Not investment advice

Recent KNSL analyst rating changes

Kinsale Capital Group, Inc. stock news today

How does KNSL compare to its peers?

Understanding how Kinsale Capital Group, Inc. (KNSL) stacks up against its industry counterparts is crucial for a complete investment picture. While KNSL specializes in the excess and surplus lines market, its performance and KNSL valuation can be contextualized by comparing it to other significant players in the Property & Casualty insurance sector. Here’s a look at some of its key competitors.

FAQ — Kinsale Capital Group, Inc. (KNSL) stock