Kinsale Capital Group (STU:KCH) Cyclically Adjusted FCF per Share: €20.50 (As of Jun. 2026)

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STU:KCH Kinsale Capital Group Inc STU:KCH
75 GF Score
Price €309.60
GF Value €508.83
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Kinsale Capital Group Cyclically Adjusted FCF per Share?

Kinsale Capital Group STU:KCH +0.85% 75 Cyclically Adjusted FCF per Share is €20.50 as of Jun. 2026. GuruFocus rates STU:KCH with a GF Score™ of 75/100 and a GF Value™ of €508.83 (Significantly Undervalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Kinsale Capital Group's adjusted free cash flow per share for the three months ended in Jun. 2026 was €9.109. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €20.50 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Kinsale Capital Group's average Cyclically Adjusted FCF Growth Rate was 24.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-08-03), Kinsale Capital Group's current stock price is €309.60. Kinsale Capital Group's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €20.50. Kinsale Capital Group's Cyclically Adjusted Price-to-FCF of today is 15.10.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Kinsale Capital Group was 32.42. The lowest was 13.73. And the median was 23.48.


Kinsale Capital Group  (STU:KCH) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Kinsale Capital Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=309.60/20.50
=15.10

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Kinsale Capital Group was 32.42. The lowest was 13.73. And the median was 23.48.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Kinsale Capital Group Cyclically Adjusted FCF per Share Related Terms


Kinsale Capital Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Kinsale Capital Group's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kinsale Capital Group Cyclically Adjusted FCF per Share Chart

Kinsale Capital Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 16.15 17.81

Kinsale Capital Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.81 16.65 17.81 19.13 20.50

STU:KCH vs THG, MCY, SIGI: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Property & Casualty subindustry, Kinsale Capital Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kinsale Capital Group Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Kinsale Capital Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Kinsale Capital Group's Cyclically Adjusted Price-to-FCF falls into.


STU:KCH
75GF Score
Kinsale Capital Group Inc STU:KCH
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kinsale Capital Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Kinsale Capital Group's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=9.109/333.9520*333.9520
=9.109

Current CPI (Jun. 2026) = 333.9520.

Kinsale Capital Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.858 241.428 1.187
201612 0.728 241.432 1.007
201703 0.674 243.801 0.923
201706 1.050 244.955 1.431
201709 0.925 246.819 1.252
201712 0.500 246.524 0.677
201803 0.800 249.554 1.071
201806 1.131 251.989 1.499
201809 1.098 252.439 1.453
201812 1.008 251.233 1.340
201903 1.215 254.202 1.596
201906 1.436 256.143 1.872
201909 1.687 256.759 2.194
201912 2.068 256.974 2.687
202003 2.012 258.115 2.603
202006 2.427 257.797 3.144
202009 2.403 260.280 3.083
202012 2.483 260.474 3.183
202103 3.279 264.877 4.134
202106 3.671 271.696 4.512
202109 3.874 274.310 4.716
202112 3.989 278.802 4.778
202203 4.767 287.504 5.537
202206 6.309 296.311 7.110
202209 7.661 296.808 8.620
202212 4.026 296.797 4.530
202303 7.818 301.836 8.650
202306 8.889 305.109 9.729
202309 8.980 307.789 9.743
202312 8.269 306.746 9.002
202403 8.155 312.332 8.719
202406 10.956 314.175 11.646
202409 10.356 315.301 10.969
202412 8.277 315.605 8.758
202503 8.635 319.799 9.017
202506 9.384 322.561 9.715
202509 10.601 324.800 10.900
202512 8.510 324.054 8.770
202603 9.053 330.213 9.156
202606 9.109 333.952 9.109

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €20.50 mean?
Kinsale Capital Group (STU:KCH) has a Cyclically Adjusted FCF per Share of €20.50 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Kinsale Capital Group and its competitors.
Is Kinsale Capital Group's Cyclically Adjusted FCF per Share too high?
Kinsale Capital Group's current Cyclically Adjusted FCF per Share is €20.50. Overall, Kinsale Capital Group has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kinsale Capital Group's Cyclically Adjusted FCF per Share compare to THG and MCY?
Kinsale Capital Group's Cyclically Adjusted FCF per Share of €20.50 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Kinsale Capital Group and its competitors. Kinsale Capital Group's current Cyclically Adjusted FCF per Share is €20.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kinsale Capital Group stock overvalued right now?
Based on GuruFocus' analysis, Kinsale Capital Group (STU:KCH) is currently considered Significantly Undervalued. The stock's GF Value™ is €508.83, compared to a current price of €309.60 — trading 39.2% below its estimated fair value. The current Cyclically Adjusted FCF per Share is €20.50. Kinsale Capital Group's overall GF Score™ is 75/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Kinsale Capital Group (STU:KCH), the current Cyclically Adjusted FCF per Share is €20.50 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kinsale Capital Group (STU:KCH) Overvalued in 2026?

Based on GuruFocus' analysis, Kinsale Capital Group stock appears to be undervalued. The current stock price of €309.60 is trading 39.2% below its estimated GF Value™ of €508.83. GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.

Key valuation signals for STU:KCH:

  • Cyclically Adjusted FCF per Share: €20.50
  • GF Value™: €508.83 vs. price of €309.60 (39.2% below fair value)
  • GF Score™: 75/100 with 1 warning sign

No single metric tells the full story. See the STU:KCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kinsale Capital Group Business Description

Other Exchanges KNSL:USAKCH:Germany
Address 2025 Staples Mill Road, Richmond, VA, USA, 23230
Kinsale Capital Group Inc is an insurance holding company. The company is engaged in offering property, casualty, and specialty insurance products. It offers specialty insurance products for allied health, healthcare, life sciences, professional, and a public entity. The company operates in only one reportable segment which is the Excess and Surplus Lines Insurance segment, which includes commercial excess and surplus lines liability and property insurance products through its underwriting divisions. The company generates revenues in the form of premiums and investment income.
75GF Score

Get the complete analysis for STU:KCH

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€309.60
Price
€508.83
GF Value