Kinsale Capital GroupFRA:KCH -2.54%75 EV-to-FCF is 7.92 as of Jul. 12, 2026, which is 34% below its 10-year median of 11.95. GuruFocus rates FRA:KCH with a GF Score™ of 75/100 and a GF Value™ of €490.12 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 395 Insurance companies, Kinsale Capital Group ranks better than 58.48% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Kinsale Capital Group's Enterprise Value is €6,898 Mil.
Kinsale Capital Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €871 Mil. Therefore, Kinsale Capital Group's EV-to-FCF for today is 7.92.
The historical rank and industry rank for Kinsale Capital Group's EV-to-FCF or its related term are showing as below:
FRA:KCH'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.68 Med: 11.95 Max: 24.46
Current: 7.75
During the past 13 years, the highest EV-to-FCF of Kinsale Capital Group was 24.46. The lowest was 4.68. And the median was 11.95.
FRA:KCH's EV-to-FCF is ranked better than 58.48% of 395
companies
in the Insurance industry
Industry Median: 9.94
vs FRA:KCH: 7.75
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Kinsale Capital Group (FRA:KCH) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Kinsale Capital Group's PE Ratio (TTM) for today is calculated as:
Kinsale Capital Group's share price for today is €291.80.
Kinsale Capital Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €19.519.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's EV-to-FCF falls into.
Kinsale Capital Group's current Enterprise Value is €6,898 Mil.
Kinsale Capital Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €871 Mil.
* 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 (FRA:KCH) has a EV-to-FCF of 7.92 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Kinsale Capital Group and its competitors. This is 34% below median its historical median of 11.95. Over the past decade, Kinsale Capital Group's EV-to-FCF has ranged from 4.68 to 24.46. According to the industry distribution chart, Kinsale Capital Group ranks #164 out of 395 companies in the Insurance industry, placing it in the top 41.5%.
Is Kinsale Capital Group's EV-to-FCF too high?
Kinsale Capital Group's current EV-to-FCF of 7.92 is 34% below median its 10-year median of 11.95. Over the past 10 years, this metric has ranged from a low of 4.68 to a high of 24.46. The Insurance industry median EV-to-FCF is 9.94. Kinsale Capital Group's value of 7.92 is 20.3% below this industry median. Based on the distribution chart, Kinsale Capital Group ranks #164 out of 395 companies in the Insurance industry, which is above the industry midpoint. 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 EV-to-FCF compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #164 out of 395 companies for EV-to-FCF. This puts Kinsale Capital Group in the upper half of its industry. The industry median EV-to-FCF is 9.94. Kinsale Capital Group's value of 7.92 is 20.3% below this benchmark. Historically, Kinsale Capital Group's own EV-to-FCF has ranged from 4.68 to 24.46 over the past decade. While the company's 10-year median is 11.95 vs. the industry median of 9.94, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.94, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current EV-to-FCF of 7.92 is 20.3% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Kinsale Capital Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current EV-to-FCF is 7.92, which is 34% below median its own 10-year median of 11.95. 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 (FRA:KCH) is currently considered Significantly Undervalued. The stock's GF Value™ is €490.12, compared to a current price of €291.80 — trading 40.5% below its estimated fair value. The current EV-to-FCF is 7.92, which is 34% below median its 10-year median of 11.95 and 20.3% below the Insurance industry median of 9.94. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Kinsale Capital Group (FRA:KCH), the current EV-to-FCF is 7.92 as of Jul. 12, 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 (FRA:KCH) Overvalued in 2026?
Based on GuruFocus' analysis, Kinsale Capital Group stock appears to be undervalued.
The current stock price of €291.80 is trading 40.5% below its estimated GF Value™ of €490.12.
GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.
Key valuation signals for FRA:KCH:
EV-to-FCF: 7.92 (34% below median its 10-year median of 11.95)
GF Value™: €490.12 vs. price of €291.80 (40.5% below fair value)
Industry Position: 20.3% below the Insurance median (#164 of 395)
No single metric tells the full story. See the FRA:KCH 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.
75GF Score
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