Kinsale Capital Group Inc (KNSL)vsThe Travelers Companies Inc (TRV)
KNSL
Kinsale Capital Group Inc
$358.42
-0.62%
FINANCIAL SERVICES · Cap: $8.32B
TRV
The Travelers Companies Inc
$398.27
+1.08%
FINANCIAL SERVICES · Cap: $81.25B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 2351% more annual revenue ($48.92B vs $2.00B). KNSL leads profitability with a 28.5% profit margin vs 17.0%. KNSL appears more attractively valued with a PEG of 1.01. KNSL earns a higher WallStSmart Score of 77/100 (B+).
KNSL
Strong Buy77
out of 100
Grade: B+
TRV
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 40.7%
Every $100 of equity generates 27 in profit
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
16.8% revenue growth
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
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 28.5% and operating margin at 40.7%. Revenue growth of 16.8% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
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 growth stock while TRV is a declining play — different risk/reward profiles.
KNSL carries more volatility with a beta of 0.87 — expect wider price swings.
KNSL is growing revenue faster at 16.8% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
KNSL scores higher overall (77/100 vs 66/100), backed by strong 28.5% margins and 16.8% 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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