Kinsale Capital GroupKNSL +0.59%76 Interest Coverage is 45.10 as of Mar. 2026, which is 20% below its 10-year median of 56.19. GuruFocus rates KNSL with a GF Score™ of 76/100 and a GF Value™ of $571.13 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 352 Insurance companies, Kinsale Capital Group ranks better than 73.3% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Kinsale Capital Group's
EBIT
for the
three
months ended in Mar. 2026 was $143 Mil. Kinsale Capital Group's Interest Expense for the
three
months ended in Mar. 2026 was $-3 Mil.
Kinsale Capital Group's interest coverage for the quarter that ended in Mar. 2026 was 45.10.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Kinsale Capital Group's Interest Coverage or its related term are showing as below:
KNSL'
s Interest Coverage Range Over the Past 10 Years
Min: 38.28 Med: 56.19 Max: 598.7
Current: 59.68
KNSL's Interest Coverage is ranked better than 73.3% of 352
companies
in the Insurance industry
Industry Median: 16.145
vs KNSL: 59.68
Kinsale Capital Group (NYSE:KNSL) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Kinsale Capital Group Interest Coverage Related Terms
Kinsale Capital Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Kinsale Capital Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
KNSL vs THG, MCY, SIGI: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Kinsale Capital Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's Interest Coverage falls into.
Kinsale Capital Group Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (KNSL) has a Interest Coverage of 45.10 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Kinsale Capital Group and its competitors. This is 20% below median its historical median of 56.19. Over the past decade, Kinsale Capital Group's Interest Coverage has ranged from 38.28 to 598.70. According to the industry distribution chart, Kinsale Capital Group ranks #94 out of 352 companies in the Insurance industry, placing it in the top 26.7%.
Is Kinsale Capital Group's Interest Coverage too high?
Kinsale Capital Group's current Interest Coverage of 45.10 is 20% below median its 10-year median of 56.19. Over the past 10 years, this metric has ranged from a low of 38.28 to a high of 598.70. The Insurance industry median Interest Coverage is 16.15. Kinsale Capital Group's value of 45.10 is 179.3% above this industry median. Based on the distribution chart, Kinsale Capital Group ranks #94 out of 352 companies in the Insurance industry, which is above the industry midpoint. Overall, Kinsale Capital Group has a GF Score™ of 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kinsale Capital Group's Interest Coverage compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #94 out of 352 companies for Interest Coverage. This puts Kinsale Capital Group in the upper half of its industry. The industry median Interest Coverage is 16.15. Kinsale Capital Group's value of 45.10 is 179.3% above this benchmark. Historically, Kinsale Capital Group's own Interest Coverage has ranged from 38.28 to 598.70 over the past decade. While the company's 10-year median is 56.19 vs. the industry median of 16.15, Kinsale Capital Group has consistently been above 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.15, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current Interest Coverage of 45.10 is 179.3% above 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Kinsale Capital Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current Interest Coverage is 45.10, which is 20% below median its own 10-year median of 56.19. 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 $571.13, compared to a current price of $340.57 — trading 40.4% below its estimated fair value. The current Interest Coverage is 45.10, which is 20% below median its 10-year median of 56.19 and 179.3% above the Insurance industry median of 16.15. Kinsale Capital Group's overall GF Score™ is 76/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current Interest Coverage is 45.10 as of Mar. 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 $340.57 is trading 40.4% below its estimated GF Value™ of $571.13.
GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.
Key valuation signals for KNSL:
Interest Coverage: 45.10 (20% below median its 10-year median of 56.19)
GF Value™: $571.13 vs. price of $340.57 (40.4% below fair value)
Industry Position: 179.3% above the Insurance median (#94 of 352)
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.
76GF Score
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