KNSL
9/9 ScoreKinsale Capital Group, Inc.
Analysis Date: February 21, 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: 150.9%
Cash Machine
FCF / Assets > 5%
Value: 16.4%
Fair Valuation
Earnings Yield > 3.5%
Value: 5.8%
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: 449.4%
Analysis Summary
Kirloskar Brothers (KNSL) appears to be a company that truly understands how to build shareholder value. With a remarkably high ROE and ROIC, coupled with a strong competitive moat and a near-negligible debt load, this business is demonstrating the kind of operational excellence and financial discipline we look for. While the growth rate is moderate, the overall picture of a robust, shareholder-friendly operation is quite appealing.
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