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Upturn AI SWOT - About
Kinsale Capital Group Inc (KNSL)
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Upturn Advisory Summary
03/27/2025: KNSL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -8.63% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.22B USD | Price to earnings Ratio 27.1 | 1Y Target Price 474.11 |
Price to earnings Ratio 27.1 | 1Y Target Price 474.11 | ||
Volume (30-day avg) 198275 | Beta 1.25 | 52 Weeks Range 354.63 - 531.57 | Updated Date 03/30/2025 |
52 Weeks Range 354.63 - 531.57 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 0.14% | Basic EPS (TTM) 17.79 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.13% | Operating Margin (TTM) 34.26% |
Management Effectiveness
Return on Assets (TTM) 7.58% | Return on Equity (TTM) 32.28% |
Valuation
Trailing PE 27.1 | Forward PE 28.17 | Enterprise Value 11293872225 | Price to Sales(TTM) 7.07 |
Enterprise Value 11293872225 | Price to Sales(TTM) 7.07 | ||
Enterprise Value to Revenue 7.11 | Enterprise Value to EBITDA - | Shares Outstanding 23277400 | Shares Floating 22045090 |
Shares Outstanding 23277400 | Shares Floating 22045090 | ||
Percent Insiders 5.36 | Percent Institutions 88.5 |
Analyst Ratings
Rating 3.42 | Target Price 485.33 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 9 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Kinsale Capital Group Inc
Company Overview
History and Background
Kinsale Capital Group, Inc. was founded in 2009 and is headquartered in Richmond, Virginia. It focuses on underwriting specialty insurance products in the excess and surplus lines market. The company has grown organically since its inception, focusing on technology and specialized expertise.
Core Business Areas
- Excess and Surplus Lines Insurance: Underwrites commercial property, casualty, and professional lines of insurance for risks that are typically declined by standard carriers. This segment forms the core of Kinsale's revenue generation.
Leadership and Structure
Michael Kehoe serves as the CEO. The company has a traditional corporate structure with functional departments overseeing underwriting, claims, finance, and technology.
Top Products and Market Share
Key Offerings
- Professional Liability: Coverage for professionals such as architects, engineers, and consultants. Market share data is part of the E&S lines. Competitors include Beazley, Chubb.
- Small Business: Tailored insurance solutions for small businesses across various industries, including construction, retail, and hospitality. Market share data is part of the E&S lines. Competitors include RLI Corp, W.R. Berkley Corporation.
- Commercial Property: Insurance coverage for commercial buildings, equipment, and inventory. Market share data is part of the E&S lines. Competitors include AIG, Liberty Mutual.
- General Liability: Insurance to cover damages from accidents on-site or injuries from use of the product/service. Market share data is part of the E&S lines. Competitors include Markel, Nationwide
Market Dynamics
Industry Overview
The excess and surplus (E&S) lines market caters to risks that standard insurance carriers are unwilling to underwrite due to their complexity or potential for high losses. The market is characterized by pricing flexibility and specialized expertise.
Positioning
Kinsale Capital Group Inc. is positioned as a technology-driven specialty insurance carrier focused on underwriting niche risks within the E&S market. Their competitive advantage lies in their underwriting expertise and efficient technology platform.
Total Addressable Market (TAM)
The US commercial insurance market is estimated to be around $700B and the E&S market is about $70B. Kinsale Capital Group Inc. aims to increase its share of the E&S market through profitable growth.
Upturn SWOT Analysis
Strengths
- Specialized Underwriting Expertise
- Proprietary Technology Platform
- Disciplined Underwriting Approach
- Strong Financial Performance
Weaknesses
- Reliance on Broker Relationships
- Smaller Size Compared to Major Insurers
- Concentration in Specific Niche Markets
Opportunities
- Expansion into New Product Lines
- Increased Demand for E&S Insurance
- Technological Advancements in Underwriting
- Geographic Expansion
Threats
- Increased Competition in E&S Market
- Economic Downturn Impacting Insurance Demand
- Regulatory Changes
- Catastrophic Events
Competitors and Market Share
Key Competitors
- RLI (RLI)
- W.R. Berkley Corporation (WRB)
- Markel (MKL)
Competitive Landscape
Kinsale Capital Group Inc. competes with larger, more established players in the E&S market. Kinsale's advantage lies in its specialized expertise and technology-enabled efficiency, which allows it to underwrite risks more effectively.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Kinsale Capital Group Inc. has demonstrated strong historical growth, driven by its focus on specialized underwriting and technology-enabled efficiency.
Future Projections: Analyst estimates project continued growth for Kinsale Capital Group Inc., driven by expansion into new markets and product lines.
Recent Initiatives: Kinsale Capital Group Inc. has focused on enhancing its technology platform and expanding its distribution network to support future growth.
Summary
Kinsale Capital Group Inc. is a strong niche player in the E&S insurance market with a focus on technology and specialized underwriting. Its financial performance has been impressive, driving shareholder value. The company faces competition and the risk of economic downturns, but its strategic initiatives position it for continued growth. Monitoring competitor activity and maintaining underwriting discipline are essential.
Similar Companies
- RLI
- WRB
- MKL
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Investment decisions should be based on your own research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kinsale Capital Group Inc
Exchange NYSE | Headquaters Richmond, VA, United States | ||
IPO Launch date 2016-07-28 | Chairman of the Board & CEO Mr. Michael Patrick Kehoe J.D. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 660 | |
Full time employees 660 | |||
Kinsale Capital Group, Inc. engages in the provision of property and casualty insurance products in the United States. The company's commercial lines offerings include commercial property, excess casualty, small business casualty, general casualty, construction, allied health, small business property, products liability, entertainment, energy, life sciences, commercial auto, professional liability, excess professional, environmental, inland marine, health care, management liability, public entity, aviation, ocean marine, agribusiness, product recall, and railroad insurance. Its personal lines offerings also include high value homeowners and personal insurance products. The company 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. Kinsale Capital Group, Inc. was founded in 2009 and is headquartered in Richmond, Virginia.
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