Kinsale Capital Group Inc
NYSE: KNSL · FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY
Updated 2026-04-29
Kinsale Capital Group Inc (KNSL) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for KNSL.
Valued
Fundamentals support the current valuation. Strong combination of growth, quality, and price.
KNSL historical valuation range
Where current P/E sits in KNSL's own 5Y range.
KNSL intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
KNSL valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 14.58x
P/S Ratio — History
Current: 3.98x
Is KNSL overvalued in 2026?
Kinsale Capital Group Inc (KNSL) currently trades at $331.03 per share with a market capitalization of $7,634,485,000.00. Based on our multi-factor framework, the stock looks attractively valued with a Smart Value Score of 77/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 14.6x, below its 5-year median of 26.2x. The PEG ratio of 1.07 points to a price that reasonably reflects expected earnings growth.
Looking at its own history, KNSL is currently trading cheaper than 96% of the last 5Y on P/E. This places it in the 4th percentile of its historical range, a level that has historically coincided with attractive entry points.
A standard DCF model does not produce reliable output for KNSL under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
Financial quality is a concern. The Piotroski F-Score of 3/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.
Bottom line: KNSL looks attractively valued on our framework, with a Smart Value Score of 77/100. The combination of reasonable price, healthy growth, and quality fundamentals makes it worth serious consideration.
Frequently asked questions
Is KNSL overvalued in 2026?
Based on a Smart Value Score of 77/100, KNSL is not overvalued. Fundamentals support the current price and offer reasonable margin of safety.
What is KNSL's fair value?
Standard DCF is unreliable for KNSL due to its current profitability profile. Revenue-based approaches such as EV/Sales or historical P/S percentile are more informative for this stock.
What P/E ratio does KNSL trade at?
KNSL trades at a P/E of 14.6x on trailing twelve-month earnings, compared to its 5-year median of 26.2x.
Is KNSL a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 77/100 reflects the combined read on growth, quality, and price. The profile skews favorable for long-term accumulation.
How does KNSL's valuation compare to its history?
On P/E, KNSL currently sits in the 4th percentile of its own 5Y range. That is historically cheap relative to where it has traded over the period.
What is KNSL's Smart Value Score?
KNSL's Smart Value Score is 77/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.