KNSL
9/9 ScoreKinsale Capital Group, Inc.
Analysis Date: March 13, 2026
Kinsale Capital Group, Inc., a specialty insurance company, provides property and casualty insurance products in the United States. The company's commercial lines offerings include construction, small business, excess and general casualty, commercial property, allied health, life sciences, energy, environmental, health care, inland marine, public entity, and commercial insurance, as well as product, professional, and management liability insurance. It markets and sells its insurance products in all 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the U.S. Virgin Islands primarily through a network of independent insurance brokers. The company was founded in 2009 and is headquartered in Richmond, Virginia.
Buffettology Criteria
All 9 of 9 criteria passed
High ROE
Return on Equity > 12%
Value: 28.3%
High ROIC
Return on Invested Capital > 9%
Value: 10.4%
Cash Machine
FCF / Assets > 5%
Value: 0.17
Fair Valuation
Earnings Yield > 3.5%
Value: 6.0%
Share Buybacks
Share Count is Dropping
Value: -0.1%
Defensible Moat
Gross Profit Margin > 40%
Value: 46.0%
Simple Business
Not in a speculative sector (e.g., Biotech)
Value: Financial Services
Conservative Debt
Debt to Equity < 1.5
Value: 0.11x
Consistent Growth
5-Year Growth is Positive
Value: 4.5%
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