Kinsale Capital Group Inc. Common Stock (KNSL)

FairStock Score: 75/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Insurance can be a wonderful business when an underwriter grows without sacrificing discipline. Kinsale sells specialty property and casualty coverage to businesses, and the filed figures show remarkable momentum. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $548.5M, net income was $175.9M, and diluted EPS was $7.72; in fiscal Q2 2025, the quarter ended 2025-06-30, those figures were $469.8M, $134.1M, and $5.76. That is the kind of compounding I like. In fiscal 2025, the year ended 2025-12-31, revenue was $1.9B, net income was $503.6M, and diluted EPS was $21.65, up from fiscal 2023, the year ended 2023-12-31, when revenue was $1.2B, net income was $308.1M, and diluted EPS was $13.22. FairStock calculations show ROE of 30.27%, a P/E of 13.81 at the 2026-10-13 close, P/B of 3.81, PEG of 0.44, D/E of 0.11, and a Piotroski score of 7/9. A low-debt balance sheet and high returns on equity are exactly what I want in a financial company. But an insurer's real secret is underwriting, and the combined ratio, reserve development, and catastrophe exposure are not in this data. CET1 and NIM are bank measures and do not apply here. A P/B of 3.81 means the market already credits management with durable high returns. If growth slows or reserves prove inadequate, the multiple could compress. At 13.81 times earnings, the price seems fair to attractive if underwriting remains disciplined; it is not a bargain on assets.

In plain English: Kinsale Capital Group sells insurance to businesses in the United States. The company is growing quickly, earns strong profits, and carries little debt. At the 2026-10-13 closing price, the stock looks reasonably priced against those profits, though it is not cheap compared with the company's book value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer