Kinsale Capital Group Inc (KNSL)vsThe Travelers Companies Inc (TRV)
KNSL
Kinsale Capital Group Inc
$355.87
-5.52%
FINANCIAL SERVICES · Cap: $7.93B
TRV
The Travelers Companies Inc
$375.99
-3.35%
FINANCIAL SERVICES · Cap: $77.61B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 2455% more annual revenue ($48.98B vs $1.92B). KNSL leads profitability with a 27.5% profit margin vs 17.0%. KNSL appears more attractively valued with a PEG of 1.11. KNSL earns a higher WallStSmart Score of 75/100 (B).
KNSL
Strong Buy75
out of 100
Grade: B
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 30.6%
Every $100 of equity generates 27 in profit
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 27.4% YoY
Attractively priced relative to earnings
Earnings expanding 57.1% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
0.3% revenue growth
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 27.5% and operating margin at 30.6%. Revenue growth of 10.2% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 17.0% and operating margin at 23.7%.
Bear Case : KNSL
The primary concerns for KNSL are Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
KNSL profiles as a mature stock while TRV is a value play — different risk/reward profiles.
KNSL carries more volatility with a beta of 0.90 — expect wider price swings.
KNSL is growing revenue faster at 10.2% — sustainability is the question.
TRV generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
KNSL scores higher overall (75/100 vs 74/100), backed by strong 27.5% margins and 10.2% revenue growth. 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
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