Kinsale Capital Group Inc (KNSL)vsW. R. Berkley Corp (WRB)
KNSL
Kinsale Capital Group Inc
$306.12
+3.52%
FINANCIAL SERVICES · Cap: $7.18B
WRB
W. R. Berkley Corp
$68.57
+3.41%
FINANCIAL SERVICES · Cap: $25.42B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 675% more annual revenue ($14.85B vs $1.92B). KNSL leads profitability with a 27.5% profit margin vs 12.6%. 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+
WRB
Buy65
out of 100
Grade: C+
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
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
Distress zone — elevated risk
4.0% revenue growth
Expensive relative to growth rate
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 : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : KNSL
The primary concerns for KNSL are Altman Z-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
KNSL profiles as a mature stock while WRB is a value play — different risk/reward profiles.
KNSL carries more volatility with a beta of 0.91 — expect wider price swings.
KNSL is growing revenue faster at 10.2% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Bottom Line
KNSL scores higher overall (77/100 vs 65/100), backed by strong 27.5% margins and 10.2% revenue growth. Both earn "Strong Buy" and "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 →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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