Kinsale Capital Group, Inc.

In the latest trading session, Kinsale Capital Group, Inc. (KNSL) closed at $391.12, marking a -1.14% move from the previous day. This move lagged the S&P 500's daily loss of 0.74%. Meanwhile, the Dow experienced a drop of 0.63%, and the technology-dominated Nasdaq saw a decrease of 0.76%.
Coming into today, shares of the company had gained 5.28% in the past month. In that same time, the Finance sector gained 2.1%, while the S&P 500 gained 0.79%.
Investors will be eagerly watching for the performance of Kinsale Capital Group, Inc. in its upcoming earnings disclosure. In that report, analysts expect Kinsale Capital Group, Inc. to post earnings of $5.24 per share. This would mark year-over-year growth of 13.42%. Meanwhile, our latest consensus estimate is calling for revenue of $471.37 million, up 14.38% from the prior-year quarter.
For the full year, the Zacks Consensus Estimates are projecting earnings of $18.9 per share and revenue of $1.86 billion, which would represent changes of +17.68% and +17.25%, respectively, from the prior year.
Any recent changes to analyst estimates for Kinsale Capital Group, Inc. should also be noted by investors. These latest adjustments often mirror the shifting dynamics of short-term business patterns. Hence, positive alterations in estimates signify analyst optimism regarding the business and profitability.
Research indicates that these estimate revisions are directly correlated with near-term share price momentum. To exploit this, we've formed the Zacks Rank, a quantitative model that includes these estimate changes and presents a viable rating system.
The Zacks Rank system, spanning from #1 (Strong Buy) to #5 (Strong Sell), boasts an impressive track record of outperformance, audited externally, with #1 ranked stocks yielding an average annual return of +25% since 1988. Within the past 30 days, our consensus EPS projection has moved 0.09% higher. Kinsale Capital Group, Inc. is holding a Zacks Rank of #3 (Hold) right now.
In terms of valuation, Kinsale Capital Group, Inc. is currently trading at a Forward P/E ratio of 20.93. This denotes a premium relative to the industry average Forward P/E of 11.51.
One should further note that KNSL currently holds a PEG ratio of 1.42. The PEG ratio bears resemblance to the frequently used P/E ratio, but this parameter also includes the company's expected earnings growth trajectory. The Insurance - Property and Casualty industry currently had an average PEG ratio of 1.67 as of yesterday's close.
The Insurance - Property and Casualty industry is part of the Finance sector. At present, this industry carries a Zacks Industry Rank of 45, placing it within the top 19% of over 250 industries.
The strength of our individual industry groups is measured by the Zacks Industry Rank, which is calculated based on the average Zacks Rank of the individual stocks within these groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.
To follow KNSL in the coming trading sessions, be sure to utilize Zacks.com.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Here's Why Kinsale Capital Group, Inc. (KNSL) Fell More Than Broader Market

Key Points
The stocks mentioned in this article have grown their share prices between 14% and 41% annually since their IPOs.
Each company grew sales between 16% and 48% in its latest quarter.
Despite success over the last few years (or even further back), each stock has declined recently, making them great buy-the-dip candidates.
As we approach a new year, it is the perfect time to add some new money to some of the most promising growth stocks on the market. While the broader S&P 500 index remains within a couple of percentage points of its all-time high, the stocks in this article are down between 22% and 55% from their 52-week highs.
Despite their recent declines, these businesses have exhibited strong past price appreciation (over the longer term) and delivered revenue growth between 16% and 48% in the last quarter. Furthermore, each stock is powered by what could be decades-long megatrends, making them five of the best growth stocks to double down on in 2026.
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1. Rocket Lab USA
Since its initial public offering (IPO) in 2021, end-to-end space company Rocket Lab USA (NASDAQ: RKLB) has quickly become a five-bagger for investors. Over the same time, though, its sales have risen nearly tenfold, so I don't believe investors have "missed their chance."
Powered by this growth, the founder-led company has become the No. 3 player in the launch services and space systems industry, trailing only SpaceX and Blue Origin. However, with its first medium-launcher Neutron rocket set for blastoff in Q1 next year, Rocket Lab could become a bigger competitor to its larger peers.
Vertically integrated, Rocket Lab is positioned for decades of growth across its business segments: launch, spacecraft, and payloads. Furthermore, the company's operations continue to scale beautifully.
With McKinsey and Company projecting the space industry to grow from $630 billion in 2023 to $1.8 trillion by 2035, Rocket Lab could outgrow its relatively minuscule market cap of $28 billion. Ultimately, the company's growth optionality is unfathomably considerable as mega-cap tech companies and governments experiment with new space concepts.
As long as Rocket Lab's sales growth and scaling margins persist, I'm happy to continue adding to the company over time -- especially with shares 20% below their high.
2. Kinsale Capital
If space companies don't interest you, let's try the opposite side of the excitement spectrum and look at Kinsale Capital Group (NYSE: KNSL) and its best-in-class excess and surplus insurance operations. Compounding total returns for investors by 39% since its 2016 IPO, Kinsale may be the most efficient insurer on the market.
With a combined ratio of 77%, the company's profitability is superior to its peers, who maintain an average combined ratio of 92%. What makes this industry-leading profitability even more incredible is that Kinsale produced it while delivering revenue growth of 39% annually over the last decade.
Focusing on small, hard-to-assess risks that its mega-peers typically try to avoid, Kinsale has carved out a lucrative niche for itself. That said, Kinsale's revenue growth slowed to 19% in the latest quarter, as pricing competition intensified and management opted to prioritize profitability over sales growth.
With its stock down 24% on this growth slowdown, it looks like the perfect time to buy this growth stock.
3. MercadoLibre
Since its IPO in 2007, Latin American e-commerce and fintech juggernaut MercadoLibre (NASDAQ: MELI) has become a 70-bagger. Over the same time, the company's sales grew from $85 million to $26 billion today. Despite this market-trouncing run, MercadoLibre's brightest days may still lie ahead, even though it is already Latin America's largest business.
While the company has become synonymous with e-commerce in the countries it serves, the online buying penetration rate in Latin America is still only half that of the U.S.Furthermore, Brazil, Mexico, and Argentina account for 96% of MercadoLibre's sales, showing that there are many more chapters left in the company's growth story as it experiments in new countries.
Home to a massive flywheel that supports its logistics network, which in turn facilitates e-commerce transactions, generating payments for its fintech unit, which helps feed its credit business, and so on, MercadoLibre remains my favorite growth stock to buy after its 23% dip from July 2025 highs.
4. SPS Commerce
SPS Commerce (NASDAQ: SPSC) is a leading supply chain cloud services provider that has delivered 18% annualized returns for investors since 2010. Growing its sales by 26 times in value over that time, the company's solutions have become mandatory for many retailers, third-party logistics providers, and suppliers as the world continues to shift toward omnichannel sales.
SPS's offerings have become so popular that the company has gone 99 consecutive quarters with positive sales growth. However, after seeing its sales growth rate decelerate slightly and guiding for "only" 8% sales growth in 2026, the company's shares have plummeted over 55% over the last year.
Ultimately, I think this drop is a byproduct of the company being previously priced for perfection at over 70 times free cash flow (FCF).
Now available at just 23 times FCF, and planning to buy back shares with at least half of the FCF it generates, this niche-leading market outperformer looks like a steal.
5. Dutch Bros
Burgeoning handcrafted beverages chain Dutch Bros (NYSE: BROS) has seen its stock price rise by 14% annually since 2021. Home to 1,089 locations across 17 states, Dutch Bros commands a cult-like following and is rapidly expanding throughout the rest of the U.S. Management's stretch goal for the company is to reach 2,029 locations by 2029 -- and they are well on their way after growing store count by 14% in 2025.
However, Dutch Bros isn't just an expansion story. Its same-store sales have grown for 10 straight quarters, and the company now funds expansion plans almost entirely in-house from the cash generated by its operations. This marks a significant turning point for the company, as it previously relied on issuing new shares to grow, thereby diluting shareholder value.
Trading at 40 times cash from operations, Dutch Bros stock isn't cheap. Yet, if it lands anywhere close to its 2,029 stores by 2029 goal, it could be on its way to becoming a multibagger of its own.
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Josh Kohn-Lindquist has positions in Dutch Bros, Kinsale Capital Group, MercadoLibre, Rocket Lab, and SPS Commerce. The Motley Fool has positions in and recommends Kinsale Capital Group, MercadoLibre, and Rocket Lab. The Motley Fool recommends Dutch Bros. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

The 5 Best Growth Stocks to Buy Right Now for 2026

Key Points
There are about 45 stocks in my portfolio, but there are some I have far more money in than others.
SoFi is my largest investment as we head into 2026 thanks to stellar stock performance over the past couple of years.
MercadoLibre, General Motors, and Realty Income are also large positions for me.
Every year, I like to do an extensive portfolio checkup, making sure my portfolio isn't out of balance or in need of major changes. And in doing so, I assess the performance of the several dozen stocks and exchange-traded funds (ETFs) in my portfolio, paying particular attention to the largest positions.
Without further delay, here are my top-10 stock holdings as we head into 2026, listed in order from largest positions to smallest:
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1. SoFi
In full disclosure, I didn't plan on SoFi (NASDAQ: SOFI) becoming my largest stock position. But the fintech disruptor has risen by about 400% from my cost basis in just a couple of years thanks to stellar growth and better-than-expected profitability.
2. MercadoLibre
MercadoLibre (NASDAQ: MELI) is an incredible business. Often referred to as the "Amazon (NASDAQ: AMZN) of Latin America," MercadoLibre also has a massive financial technology business that includes payment processing, lending, and more. E-commerce and fintech penetration have a long way to go in the company's key markets, and it could be an exciting growth story for years to come.
3. General Motors
Not only do I consider General Motors (NYSE: GM) to be one of the most undervalued stocks in my portfolio, but it is also one of the most overlooked businesses by many investors who dismiss it as a "legacy" automaker. GM has become the clear No. 2 electric vehicle (EV) manufacturer in the United States, and lower interest rates could help reinvigorate the new auto market in the coming years.
4. Realty Income
I've called Realty Income (NYSE: O) my favorite overall dividend stock in the market, and I stand by that statement. This excellent real estate investment trust, or REIT, has a portfolio of more than 15,000 top-notch properties and a dividend yield of 5.7% with a multidecade track record of income growth.
5. Pinterest
Pinterest (NYSE: PINS) is doing a great job of building out the e-commerce capabilities of its platform and of using AI to improve the user experience. Recent user growth has been impressive, and although the company is facing tariff-related headwinds to its international advertising business, I believe Pinterest has an incredibly bright future ahead of it.
6. Berkshire Hathaway
I've written several times that if I could only own one stock, it would be Berkshire Hathaway (NYSE: BRK.A)(NYSE: BRK.B) -- and that's still just as true as ever, even with CEO Warren Buffett set to retire at the end of 2025. Berkshire offers a collection of more than 60 subsidiary businesses, a stock portfolio worth more than $300 billion, and more cash on its balance sheet than any other publicly traded company in the United States.
7. Dream Finders Homes
To put it mildly, I believe there's a lot of pent-up demand for new homes in the United States. That's especially true when it comes to entry-level homes in relatively affordable markets, and that's what homebuilder Dream Finders Homes (NYSE: DFH) focuses on. This builder uses a land-light model and operates primarily in the Sun Belt region, and is doing a great job of capital allocation.
8. Kinsale Capital Group
Kinsale Capital Group (NYSE: KNSL) is an insurance company that focuses on specialty insurance products. It has an incredible track record of best-in-class profitability and has only captured a small fraction of its potential market. Kinsale was higher on this list until a recent pullback, but I see a buying opportunity here and plan to add shares in the new year.
9. Walt Disney
I'm a big fan of Walt Disney (NYSE: DIS) as a business. The theme parks are an absolute cash machine, Disney has an incredible library of intellectual property, and although it's still figuring out how to optimize its streaming strategy, there's massive profit potential.
10. Howard Hughes Holdings
Howard Hughes Holdings (NYSE: HHH) is primarily a real estate development company that builds master-planned communities. It controls large tracts of land and uses demand created by residential neighborhoods to build and own commercial properties, creating a cycle of value creation.
It's also worth noting that this list only includes my largest individual stock holdings. I also own substantial ETF holdings, especially when it comes to Vanguard index funds. If I were to include ETFs, the Vanguard S&P 500 ETF (NYSEMKT: VOO), Vanguard Russell 2000 ETF (NASDAQ: VTWO), and the Vanguard Real Estate ETF (NYSEMKT: VNQ) would all be among my 10 largest holdings.
How concentrated is my portfolio?
I own about 45 stocks and ETFs altogether, but my portfolio is rather top heavy. The 10 stocks on this list make up 44% of my total account value. This makes sense, as not only are they generally my highest conviction investments, but some of them have been incredible performers recently (like SoFi). I'm not planning to sell a single share of any of these stocks. But to be fair, one of my 2026 investment goals is to use new deposits to diversify and build out some of my smaller stock and ETF positions.
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Matt Frankel, CFP has positions in Amazon, Berkshire Hathaway, Dream Finders Homes, General Motors, Howard Hughes, Kinsale Capital Group, MercadoLibre, Pinterest, Realty Income, SoFi Technologies, Vanguard Real Estate ETF, Vanguard Russell 2000 ETF, Vanguard S&P 500 ETF, and Walt Disney. The Motley Fool has positions in and recommends Amazon, Berkshire Hathaway, Dream Finders Homes, Howard Hughes, Kinsale Capital Group, MercadoLibre, Pinterest, Realty Income, Vanguard Real Estate ETF, Vanguard S&P 500 ETF, and Walt Disney. The Motley Fool recommends General Motors. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

My Top-10 Portfolio Holdings for 2026

Shares of Chubb Limited CB closed at $305.98 on Thursday, near its 52-week high of $308.31. This proximity underscores investor confidence. It has the ingredients for further price appreciation.
The stock is trading above the 50-day and 200-day simple moving averages (SMA) of $286.99 and $283.90, respectively, indicating solid upward momentum. SMA is a widely used technical analysis tool to predict future price trends by analyzing historical price data.
Image Source: Zacks Investment Research
With a market capitalization of $121.99 billion, the average volume of shares traded in the last three months was 1.8 million.
CB is an Outperformer
Shares of Chubb have gained 11.1% in the past year, outperforming its industry’s growth of 5.8%.
Image Source: Zacks Investment Research
CB’s Expensive Valuation
Shares of Chubb are trading at a premium compared with the Zacks Property and Casualty Insurance industry. Its forward price-to-book value of 1.55X is higher than the industry average of 1.48X.
Shares of The Travelers Companies, Inc. TRV, W.R. Berkley Corporation WRB, and Kinsale Capital Group, Inc. KNSL are trading at a multiple higher than the industry average.
CB’s Growth Projection Encourages
The Zacks Consensus Estimate for Chubb’s 2025 earnings per share indicates a year-over-year increase of 5.1%. The consensus estimate for revenues is pegged at $59.77 billion, implying a year-over-year improvement of 6.3%.
The consensus estimate for 2026 earnings per share and revenues indicates an increase of 8.9% and 6.5%, respectively, from the corresponding 2025 estimates.
Optimist Analyst Sentiment on CB
One of the 11 analysts covering the stock has raised estimates for 2025 and 2026 over the past 30 days. Thus, the Zacks Consensus Estimate for 2025 earnings has moved up 0.6% in the past 30 days, and for 2026, the same has moved north 0.2% in the same time frame.
Image Source: Zacks Investment Research
Target Price Reflects Potential Upside
Based on short-term price targets offered by 23 analysts, the Zacks average price target is $310.65 per share. The average indicates a potential 4.7% upside from the last closing price.
Image Source: Zacks Investment Research
Impressive Earnings Surprise History of CB
Chubb Limited’s bottom line surpassed earnings estimates in each of the last four quarters, the average being 13.37%.
CB’s Favorable Return on Capital
Return on equity in the trailing 12 months was 12.9%, better than the industry average of 8%. Return on equity, a profitability measure, reflects how effectively a company is utilizing its shareholders.
Also, return on invested capital (ROIC) has been increasing over the last few quarters amid capital investments made over the same time frame. This reflects CB’s efficiency in utilizing funds to generate income. ROIC in the trailing 12 months was 8.5%, better than the industry average of 6.2%.
Factors Benefiting CB Stock
Chubb Limited remains focused on capitalizing on the potential of middle-market businesses (both domestic and international) as well as enhancing traditional core packages and specialty products for long-term growth. In its efforts to accelerate growth, Chubb Limited is also making strategic investments in various initiatives.
CB pursues strategic mergers and acquisitions to diversify its portfolio, add capabilities and synergies, and expand its geographic footprint. Recently, Chubb Limited agreed to acquire the insurance businesses of Liberty Mutual in Thailand and Vietnam. Acquisitions have also improved premium revenues. Premiums should also benefit from commercial P&C rate increases, new business, and strong renewal retention. An impressive inorganic growth story helps to achieve a higher long-term return on equity.
Investment income should benefit from improved operating cash flow. Chubb Limited expects the Investment income run rate to continue to grow, as the company reinvests the cash flow at higher rates. Chubb Limited expects adjusted net investment income to be $1.775 billion in the fourth quarter and $1.81 billion in first-quarter 2026.
Chubb Limited has a strong capital position and sufficient cash-generation capabilities, which support wealth distribution to shareholders and growth initiatives.
Being a P&C insurer, CB is exposed to catastrophe events, which induce volatility in underwriting profitability and affect the combined ratio. Given the uncertainty surrounding the magnitude of cat loss, higher losses could drain earnings.
Also, Chubb’s leverage and times interest earned compare unfavorably with the industry.
Conclusion
Chubb Limited’s market-leading position, compelling portfolio, strong renewal retention, positive rate increases, solid capital position, and better return on capital pave the way for long-term growth.
The strong capital and liquidity position enable Chubb Limited to distribute wealth to its shareholders via share buybacks and dividend payouts. The company’s current dividend yield of 1.2% is better than the industry average of 0.2%. The recent 6.6% increase in dividends marks the 32nd straight year of dividend increase. Chubb Limited has a solid track record of dividend hikes, with the metric witnessing a 10-year CAGR of 3.8%. This makes the stock an attractive pick for investors looking for a safe and steady flow of cash.
However, given its premium valuation, we prefer to stay cautious on this Zacks Rank #3 (Hold) stock. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

CB Stock Near 52-Week High, Outperforms Industry: Time to Hold?

An Anthropic IPO Could Be Here Sooner Than We Thought!

Looking at the universe of stocks we cover at Dividend Channel, on 11/28/25, Baxter International Inc (Symbol: BAX), Kinsale Capital Group Inc (Symbol: KNSL), and Bank of Hawaii Corp (Symbol: BOH) will all trade ex-dividend for their respective upcoming dividends. Baxter International Inc will pay its quarterly dividend of $0.01 on 1/2/26, Kinsale Capital Group Inc will pay its quarterly dividend of $0.17 on 12/11/25, and Bank of Hawaii Corp will pay its quarterly dividend of $0.70 on 12/12/25. As a percentage of BAX's recent stock price of $18.66, this dividend works out to approximately 0.05%, so look for shares of Baxter International Inc to trade 0.05% lower — all else being equal — when BAX shares open for trading on 11/28/25. Similarly, investors should look for KNSL to open 0.04% lower in price and for BOH to open 1.05% lower, all else being equal.
Below are dividend history charts for BAX, KNSL, and BOH, showing historical dividends prior to the most recent ones declared.
Baxter International Inc (Symbol: BAX):
Kinsale Capital Group Inc (Symbol: KNSL):
Bank of Hawaii Corp (Symbol: BOH):
In general, dividends are not always predictable, following the ups and downs of company profits over time. Therefore, a good first due diligence step in forming an expectation of annual yield going forward, is looking at the history above, for a sense of stability over time. This can help in judging whether the most recent dividends from these companies are likely to continue. If they do continue, the current estimated yields on annualized basis would be 0.21% for Baxter International Inc, 0.18% for Kinsale Capital Group Inc, and 4.19% for Bank of Hawaii Corp.
Free Report: Top 8%+ Dividends (paid monthly)
In Wednesday trading, Baxter International Inc shares are currently up about 2.6%, Kinsale Capital Group Inc shares are up about 1.9%, and Bank of Hawaii Corp shares are up about 2.6% on the day.
Click here to learn which 25 S.A.F.E. dividend stocks should be on your radar screen »
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Ex-Dividend Reminder: Baxter International, Kinsale Capital Group and Bank of Hawaii

The DividendRank formula at Dividend Channel ranks a coverage universe of thousands of dividend stocks, according to a proprietary formula designed to identify those stocks that combine two important characteristics — strong fundamentals and a valuation that looks inexpensive. Kinsale Capital Group Inc (Symbol: KNSL) presently has an above average rank, in the top 50% of the coverage universe, which suggests it is among the top most "interesting" ideas that merit further research by investors.
But making Kinsale Capital Group Inc an even more interesting and timely stock to look at, is the fact that in trading on Wednesday, shares of KNSL entered into oversold territory, changing hands as low as $378.21 per share. We define oversold territory using the Relative Strength Index, or RSI, which is a technical analysis indicator used to measure momentum on a scale of zero to 100. A stock is considered to be oversold if the RSI reading falls below 30. In the case of Kinsale Capital Group Inc, the RSI reading has hit 29.2 — by comparison, the universe of dividend stocks covered by Dividend Channel currently has an average RSI of 44.3. A falling stock price — all else being equal — creates a better opportunity for dividend investors to capture a higher yield. Indeed, KNSL's recent annualized dividend of 0.68/share (currently paid in quarterly installments) works out to an annual yield of 0.17% based upon the recent $394.93 share price.
A bullish investor could look at KNSL's 29.2 RSI reading today as a sign that the recent heavy selling is in the process of exhausting itself, and begin to look for entry point opportunities on the buy side. Among the fundamental datapoints dividend investors should investigate to decide if they are bullish on KNSL is its dividend history. In general, dividends are not always predictable; but, looking at the history chart below can help in judging whether the most recent dividend is likely to continue.
Click here to find out what 9 other oversold dividend stocks you need to know about »
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Kinsale Capital Group is Oversold

Shares of Kinsale Capital Group, Inc. KNSL have lost 17.1% in the past year, underperforming its industry’s growth of 6.8%.
The insurer has a market capitalization of $9.07 billion. The average volume of shares traded in the last three months was 0.2 million.
Image Source: Zacks Investment Research
KNSL Shares are Overvalued
Kinsale Capital shares are trading at a premium to the Zacks Property and Casualty Insurance industry. Its price-to-book value of 4.86X is higher than the industry average of 1.5X.
American Financial Group, Inc. AFG shares are also trading at a premium at 2.45. However, shares of other insurers, such as Arch Capital Group Ltd. ACGL and CNA Financial Corporation CNA, are trading at a multiple lower than the industry average. Arch Capital is trading at 1.5, and CNA Financial is trading at 1.1.
KNSL’s Growth Projection Encourages
The Zacks Consensus Estimate for Kinsale Capital’s 2025 earnings per share indicates a year-over-year increase of 17.8%. The consensus estimate for revenues is pegged at $1.86 billion, implying a year-over-year improvement of 17.1%.
The consensus estimate for 2026 earnings per share and revenues indicates an increase of 9.2% and 7.8%, respectively, from the corresponding 2025 estimates.
Earnings have grown 44.3% in the past five years, better than the industry average of 21.6%. The expected long-term earnings growth rate is 14.8%, outperforming the industry average of 7.3%.
Kinsale Capital has an impressive Growth Score of B. This style score helps analyze the growth prospects of a company.
Earnings Surprise History
Kinsale Capital surpassed earnings estimates in each of the last four quarters, the average being 10.35%.
KNSL’s Favorable Return on Capital
Kinsale Capital’s return on equity (ROE) of 25.6% for the trailing 12 months compared favorably with the industry’s 8%, reflecting the company’s efficiency in utilizing shareholders’ funds. This insurer targets mid-teens ROE over the long term.
Also, return on invested capital (ROIC) has been increasing over the last few quarters as the company raised its capital investment over the same time frame, reflecting KNSL’s efficiency in utilizing funds to generate income. KNSL’s ROIC of 22.4% for the trailing 12 months compared favorably with the industry’s 6.1%.
Mixed Analyst Sentiment on KNSL
Eight of the nine analysts covering the stock have raised estimates for 2025, while five of the nine analysts have lowered the same for 2026 over the past 30 days. Thus, the Zacks Consensus Estimate for 2025 earnings has moved up 2.6% in the past 30 days, while the same for 2026 has moved down 0.2% in the same time frame.
Average Target Price for KNSL Suggests Upside
Based on short-term price targets offered by nine analysts, the Zacks average price target is $479.89 per share. The average suggests a potential 23% upside from the last closing price.
Image Source: Zacks Investment Research
Key Drivers of KNSL Stock
A strong presence across the excess and supply (E&S) market in the United States and high retention rates stemming from contract renewals should drive improved premiums. Management noted that the E&S market has grown significantly and generated better underwriting results than the broader P&C industry. It remains well-positioned to benefit from continued market dislocation, aiding improved submission flows and better pricing decisions.
KNSL has been successfully delivering improved margins and lower loss ratios. The insurer targets clients with small and medium-sized accounts with better pricing and is less prone to competition. Management estimates low double-digit rate increases across the book of business.
Kinsale Capital enjoys the best combination of high growth and low combined ratio among its peers. It targets a combined ratio in the mid-80s range over the long term.
KNSL is well-positioned to generate an improved expense ratio, given its proprietary technology platform, which is likely to provide it with a competitive edge over other industry players and scalability in business. The insurer drives profitability and operational efficiency using analytics.
Despite a low-interest-rate environment, investment income should benefit from the investment of excess operating funds.
Notably, its free cash flow conversion has remained more than 85% over the last few quarters, reflecting its solid earnings.
Conclusion
Kinsale Capital is poised to gain from its focus on the E&S market, prudent underwriting, lower expense ratio, growth in the investment portfolio, and effective capital deployment.
The insurer has an impressive dividend history, increasing dividends since 2017 at a seven-year CAGR (2017-2024) of 12.1%, riding on the strength of operational excellence that supports a solid capital position. As part of wealth distribution, in October 2024, the board of directors authorized a share repurchase program authorizing the repurchase of up to $100 million of common stock. As of Sept. 30, 2025, the company had $50 million of capacity remaining under its share repurchase program. All these shareholder-friendly moves make the stock an attractive investment pick.
The stock also has a VGM Score of B. The VGM Score helps identify stocks with the most attractive value, best growth and the most promising momentum.
However, given its expensive valuation, it is better to wait for some more time before taking a call on this Zacks Rank #3 (Hold) stock. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Zacks Names #1 Semiconductor Stock
This under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.
With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.
See This Stock Now for Free >>
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

KNSL Lags Industry, Trades at Premium: Time to Hold the Stock?

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Kinsale (KNSL) Q3 2025 Earnings Call Transcript

(RTTNews) - Kinsale Capital Group Inc. (KNSL) announced earnings for its third quarter that Increases, from last year
The company's earnings came in at $141.65 million, or $6.09 per share. This compares with $114.23 million, or $4.90 per share, last year.
Excluding items, Kinsale Capital Group Inc. reported adjusted earnings of $121.20 million or $5.21 per share for the period.
The company's revenue for the period rose 19.0% to $497.51 million from $418.06 million last year.
Kinsale Capital Group Inc. earnings at a glance (GAAP) :
-Earnings: $141.65 Mln. vs. $114.23 Mln. last year. -EPS: $6.09 vs. $4.90 last year. -Revenue: $497.51 Mln vs. $418.06 Mln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.