Kinsale Capital Group Inc (KNSL)vsThe Travelers Companies Inc (TRV)
KNSL
Kinsale Capital Group Inc
$327.22
+0.22%
FINANCIAL SERVICES · Cap: $7.60B
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 2506% more annual revenue ($48.83B vs $1.87B). KNSL leads profitability with a 26.9% profit margin vs 12.9%. KNSL appears more attractively valued with a PEG of 1.07. KNSL earns a higher WallStSmart Score of 75/100 (B).
KNSL
Strong Buy75
out of 100
Grade: B
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+60.0%
Fair Value
$1013.22
Current Price
$327.22
$686.00 discount
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 36.8%
Every $100 of equity generates 29 in profit
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
17.3% revenue growth
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KNSL
The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 26.9% and operating margin at 36.8%. Revenue growth of 17.3% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : KNSL
The primary concerns for KNSL are Piotroski F-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
KNSL profiles as a growth stock while TRV is a value play — different risk/reward profiles.
KNSL carries more volatility with a beta of 1.04 — expect wider price swings.
KNSL is growing revenue faster at 17.3% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
KNSL scores higher overall (75/100 vs 71/100), backed by strong 26.9% margins and 17.3% revenue growth. TRV offers better value entry with a 75.4% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Kinsale Capital Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kinsale Capital Group, Inc., a specialty insurance company, offers property and casualty insurance products in the United States. The company is headquartered in Richmond, Virginia.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?