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Kinsale Capital GroupKNSL +1.01%80 Debt-to-EBITDA is 0.25 as of Jun. 2026, which is 34% below its 10-year median of 0.38. GuruFocus rates KNSL with a GF Score™ of 80/100 and a GF Value™ of $583.07 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 319 Insurance companies, Kinsale Capital Group ranks better than 79.31% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Kinsale Capital Group's Debt-to-EBITDA or its related term are showing as below:
KNSL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.22 Med: 0.38 Max: 0.97
Current: 0.31
During the past 13 years, the highest Debt-to-EBITDA Ratio of Kinsale Capital Group was 0.97. The lowest was 0.22. And the median was 0.38.
KNSL's Debt-to-EBITDA is ranked better than 79.31% of 319
companies
in the Insurance industry
Industry Median: 1.26
vs KNSL: 0.31
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Kinsale Capital Group Debt-to-EBITDA Related Terms
Kinsale Capital Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Kinsale Capital Group's Debt-to-EBITDA 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.
For the Insurance - Property & Casualty subindustry, Kinsale Capital Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Kinsale Capital Group (KNSL) has a Debt-to-EBITDA of 0.25 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Kinsale Capital Group. This is 34% below median its historical median of 0.38. Over the past decade, Kinsale Capital Group's Debt-to-EBITDA has ranged from 0.22 to 0.97. According to the industry distribution chart, Kinsale Capital Group ranks #66 out of 319 companies in the Insurance industry, placing it in the top 20.7%.
Is Kinsale Capital Group's Debt-to-EBITDA too high?
Kinsale Capital Group's current Debt-to-EBITDA of 0.25 is 34% below median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.97. The Insurance industry median Debt-to-EBITDA is 1.26. Kinsale Capital Group's value of 0.25 is 80.2% below this industry median. Based on the distribution chart, Kinsale Capital Group ranks #66 out of 319 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Kinsale Capital Group has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kinsale Capital Group's Debt-to-EBITDA compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #66 out of 319 companies for Debt-to-EBITDA. This places Kinsale Capital Group in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.26. Kinsale Capital Group's value of 0.25 is 80.2% below this benchmark. Historically, Kinsale Capital Group's own Debt-to-EBITDA has ranged from 0.22 to 0.97 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 1.26, Kinsale Capital Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.26, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current Debt-to-EBITDA of 0.25 is 80.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Kinsale Capital Group. For the Insurance industry, the median Debt-to-EBITDA is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current Debt-to-EBITDA is 0.25, which is 34% below median its own 10-year median of 0.38. 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 (KNSL) is currently considered Significantly Undervalued. The stock's GF Value™ is $583.07, compared to a current price of $383.25 — trading 34.3% below its estimated fair value. The current Debt-to-EBITDA is 0.25, which is 34% below median its 10-year median of 0.38 and 80.2% below the Insurance industry median of 1.26. Kinsale Capital Group's overall GF Score™ is 80/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current Debt-to-EBITDA is 0.25 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 (KNSL) Overvalued in 2026?
Based on GuruFocus' analysis, Kinsale Capital Group stock appears to be undervalued.
The current stock price of $383.25 is trading 34.3% below its estimated GF Value™ of $583.07.
GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.
Key valuation signals for KNSL:
Debt-to-EBITDA: 0.25 (34% below median its 10-year median of 0.38)
GF Value™: $583.07 vs. price of $383.25 (34.3% below fair value)
Industry Position: 80.2% below the Insurance median (#66 of 319)
No single metric tells the full story. See the KNSL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
80GF Score
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