- Why Kinsale Capital Group, Inc. (KNSL) is a Top Value Stock for the Long-Term
May 18, 2026
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Kinsale Capital Group, Inc. (KNSL) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
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- Why Kinsale Capital Group, Inc. (KNSL) is a Top Value Stock for the Long-Term
May 18, 2026 · zacks.com
The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
- Kingstone Companies Stock Plunges 16% YTD: Time to Buy the Dip?
May 12, 2026
Shares of Kingstone Companies KINS have lost 16.3% year to date, underperforming the industry’s decline of 4%. The Finance sector and the Zacks S&P 500 composite have gained in the same time frame.
Kingstone Companies is one of the largest homeowner insurers in New York with a market capitalization of $204 million. Strong premium expansion, improving profitability and disciplined focus on its core New York market position it well for growth.
Kingstone has fared better than other insurers like Kinsale Capital KNSL and Heritage Insurance Holdings HRTG, which have lost 22.3% and 25% year to date, respectively.
KINS vs. Industry, Sector & S&P 500 YTDZacks Investment Research
Image Source: Zacks Investment Research
Are KINS Shares Expensive?
Kingstone Companies' shares are trading at a premium to the industry. Its price-to-book value of 1.66X is higher than the industry average of 1.32X but lower than the median of 1.85 over the last three years.Zacks Investment Research
Image Source: Zacks Investment Research
Shares of Kinsale and Heritage are also trading at a multiple higher than the industry average.
Muted Analyst Sentiment for KINS
The Zacks Consensus Estimate for KINS’ 2026 and 2027 earnings has witnessed no movement in the past 30 days.
The consensus estimate for KNSL’s 2026 and 2027 earnings has moved 1.1% and 2% south, respectively, in the past 30 days. Estimates for HRTG’s 2026 and 2027 earnings have moved 2.6% and 7.6% south, respectively, in the past 30 days.
Growth Estimates for KINS
The Zacks Consensus Estimate for the company’s 2026 earnings indicates a 17.6% year-over-year decline but that for 2027 suggests a 26.1% year-over-year increase. The consensus estimates for 2026 and 2027 revenues suggest year-over-year improvements. KINS has a Growth Score of B. Zacks Investment Research
Image Source: Zacks Investment Research
KINS expects 2026 earnings per share to be between $2.20 and $2.90.
Factors in Favor of KINS
Kingstone Companies is well-positioned to capitalize on favorable trends in the personal property insurance market as several competitors scale back or exit the segment. This environment creates opportunities for the company to strengthen its market presence and capture additional business.
Despite this positive outlook, the company remains exposed to concentration risk due to its limited product portfolio and geographic focus. To address this, Kingstone is executing a disciplined growth strategy centered on reinforcing its core operations while withdrawing from non-core and underperforming lines. The insurer continues to maintain strict underwriting discipline, focusing only on policies that align with its profitability and risk standards.
Kingstone targets $500 million in direct premiums by 2029, supported by continued growth in New York, selective geographic expansion and strategic inorganic opportunities. California has been identified as its first new market, with entry planned through the rapidly growing excess and surplus (E&S) homeowners segment. In addition, the company expects to begin writing admitted homeowners policies in Connecticut during the third quarter.
To offset inflationary pressures, Kingstone has refined its pricing strategy to better reflect underlying risks. Its partnership with Earnix has further strengthened pricing and underwriting capabilities. For 2026, the insurer projects 15%–20% growth in core direct written premiums. Operational efficiency has also improved, aided by higher average premiums and reduced commission and staffing expenses, resulting in a 1,100-basis-point improvement in the net expense ratio over the past four years.
Financially, Kingstone is in a much stronger position, supported by a solid reinsurance program, enhanced liquidity and a debt-free balance sheet. The company expects a combined ratio of 74%–76% in 2026. After reporting losses for three consecutive years, it returned to profitability in 2024, with net margins expanding significantly in 2025 due to disciplined underwriting, effective risk management and favorable market conditions.
Story Continues
Parting Thoughts on KINS Stock
Kingstone Companies’ focus on growing its core business and strengthening its niche market position, improving pricing and combined ratio, expanding margins and delivering strong earnings bodes well for growth. Its VGM Score of A and solid guidance instill confidence in the stock.
Despite its premium valuation, it is time to add this Zacks Rank #2 (Buy) stock to one’s portfolio. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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Heritage Insurance Holdings, Inc. (HRTG) : Free Stock Analysis Report
Kingstone Companies, Inc (KINS) : Free Stock Analysis Report
Kinsale Capital Group, Inc. (KNSL) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
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- Kinsale Capital Group Announces Dividend Declaration
May 11, 2026 · businesswire.com
RICHMOND, Va.--(BUSINESS WIRE)--Kinsale Capital Group Announces Dividend Declaration.
- KINSALE CAPITAL GROUP ANNOUNCES DIVIDEND DECLARATION
May 11, 2026
RICHMOND, VA.--(BUSINESS WIRE)--KINSALE CAPITAL GROUP ANNOUNCES DIVIDEND DECLARATION.
- A Look At Kinsale Capital Group’s Valuation As Growth Concerns Contrast With Strong Quarterly Earnings
May 9, 2026
Make better investment decisions with Simply Wall St's easy, visual tools that give you a competitive edge.
Kinsale Capital Group (KNSL) has been under pressure after concerns about moderating growth in property and casualty insurance, even though its latest quarter featured higher earned premiums, low catastrophe losses, and favorable reserve development.
See our latest analysis for Kinsale Capital Group.
At a share price of US$308.83, Kinsale’s 1 day share price return of 1.72% contrasts with a 30 day share price decline of 10.55% and a 1 year total shareholder return decline of 32.39%, pointing to fading momentum despite earlier 5 year gains.
If recent volatility has you looking beyond a single insurer, this is a good moment to broaden your watchlist and uncover 18 top founder-led companies
With Kinsale trading at US$308.83 and recent returns pointing to weak sentiment despite earlier 5 year gains, the key question is whether current pessimism has gone too far or if the market is already pricing in future growth.
Most Popular Narrative: 13.5% Undervalued
With Kinsale Capital Group’s fair value from the most followed narrative at $356.89 versus a last close of $308.83, the narrative frames current pricing as a discount and anchors that view in underwriting discipline and capital returns.
The secular shift of risks from standard markets into the E&S channel, particularly for homeowners and catastrophe-exposed lines (e.g., in California, Texas, and coastal regions), is broadening Kinsale's long-term premium base and enabling sustainable top-line growth even as competition intensifies in select lines.
Read the complete narrative.
Want to understand why modest revenue growth assumptions are used to support a higher fair value? The narrative focuses on margin resilience, capital returns, and a richer future earnings multiple. Curious how those pieces fit together into one pricing story?
Result: Fair Value of $356.89 (UNDERVALUED)
Have a read of the narrative in full and understand what's behind the forecasts.
However, slower expected revenue growth and pressure on profit margins, along with rising competition in commercial property, could challenge the thesis that Kinsale is undervalued.
Find out about the key risks to this Kinsale Capital Group narrative.
Another View: Multiples Point To A Richer Price
The narrative fair value of US$356.89 suggests upside, but the current P/E of 13.5x tells a different story. That multiple sits above the US Insurance industry at 11.4x, the peer average of 7.3x, and even the 11.1x fair ratio that the market could move toward over time.
Story Continues
If earnings are expected to decline by an average of 0.9% a year over the next 3 years, paying a premium P/E may leave less room for error than the fair value story implies. This raises an important question: how comfortable are you with that mismatch between growth, price, and the ratio the market might gravitate toward next?
See what the numbers say about this price — find out in our valuation breakdown.NYSE:KNSL P/E Ratio as at May 2026
Next Steps
The mixed tone here, with both caution and optimism, means it is important to look at the underlying numbers yourself and move quickly to form an independent view using the 2 key rewards and 1 important warning sign
Looking for more investment ideas?
If Kinsale has sharpened your thinking, do not stop here. Broaden your opportunity set with fresh ideas that match different risk and income goals.
Target high quality companies that combine resilient finances and attractive pricing by scanning 51 high quality undervalued stocks before sentiment shifts again. Build a steadier income stream by reviewing 12 dividend fortresses that may offer stronger yields than you will find by chance. Prioritise capital preservation by focusing on 72 resilient stocks with low risk scores so potential downside does not catch you off guard.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include KNSL.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com
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- This Mini Berkshire Hathaway Is a Buy. An Activist Investor Is Pushing to Break It Up.
May 8, 2026
Markel has improving insurance operations, a sizable equity portfolio, and a low valuation relative to specialty insurance peers.
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- Davenport & Company Relocates Headquarters to Kinsale Center
May 7, 2026
RICHMOND, Va., May 07, 2026--(BUSINESS WIRE)--Kinsale Capital Group, Inc. (NYSE: KNSL) today announced that Davenport & Company LLC, a leading wealth management and financial advisory services firm, has signed a lease for approximately 100,000 square feet at Kinsale Center, a premier Class A development in Henrico County, Virginia. Davenport & Company will relocate its headquarters to the property, reinforcing its long-standing presence in the Richmond market while positioning the firm for continued growth. Davenport & Company joins other leading organizations at Kinsale Center, including Elevance Health, Kimley-Horn, and Kinsale Capital Group.
Kinsale Center, located at West Broad Street and Staples Mill Road, recently completed Phase 1 of the development with a major renovation of the former Anthem office, now Kinsale’s new headquarters. Completion of Phase 1 establishes a foundation for future phases of the project, which envisions a modern, mixed-use environment across 35 acres with high-end architectural finishes, thoughtfully planned residential and commercial amenities, and convenient access to downtown Richmond and surrounding areas.
"We’re pleased to welcome Davenport & Company to Kinsale Center," said Michael Kehoe, Chairman, President, and CEO of Kinsale Capital Group. "Davenport has deep roots in Richmond and a strong reputation in the financial services industry. Their decision to establish their headquarters here underscores the appeal of Kinsale Center as a premier destination for leading firms."
Davenport & Company selected Kinsale Center for its strategic location and ability to support the firm’s collaborative, client-focused operations.
"This move marks an exciting new chapter for Davenport," said Lee Chapman, President and CEO of Davenport & Company. "Richmond has been home for more than 160 years, and Kinsale Center will make it easier for us to connect with our clients. The strong response to our Libbie Avenue client meeting location proved the value of that access—now we’re expanding it at scale."
2000 Maywill, LLC, a subsidiary of Kinsale Capital Group and the building owner, was represented by Jimmy Appich and Gareth Jones of JLL. Davenport & Company was represented by Pope Hackney of 7Hills Advisors.
Kinsale Center continues to attract prominent owners and tenants seeking a dynamic and well-connected business environment. The addition of Davenport & Company further strengthens the development’s position as a premier location for corporate headquarters in the region.
Story Continues
About Kinsale Capital Group, Inc.
Kinsale Capital Group, Inc. is a specialty insurance group headquartered in Richmond, Virginia, focusing on the excess and surplus lines market.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260507970523/en/
Contacts
Kinsale Capital Group, Inc.
Bryan Petrucelli
Executive Vice President, Chief Financial Officer and Treasurer
804-289-1272
ir@kinsalecapitalgroup.com
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- Davenport & Company Relocates Headquarters to Kinsale Center
May 7, 2026 · businesswire.com
RICHMOND, Va.--(BUSINESS WIRE)--Davenport & Company Relocates Headquarters to Kinsale Center.
- DAVENPORT & COMPANY RELOCATES HEADQUARTERS TO KINSALE CENTER
May 7, 2026
RICHMOND, VA.--(BUSINESS WIRE)--DAVENPORT & COMPANY RELOCATES HEADQUARTERS TO KINSALE CENTER.
