KNSL (Kinsale Capital Group) Moat Score: 7/10 (As of Jul. 07, 2026)


KNSL Kinsale Capital Group Inc KNSL
76 GF Score
Price $348.73
GF Value $571.18
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Kinsale Capital Group Moat Score?

Kinsale Capital Group KNSL +0.43% 76 Moat Score is 7 as of Jul. 07, 2026. GuruFocus rates KNSL with a GF Score™ of 76/100 and a GF Value™ of $571.18 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 598 Insurance companies, Kinsale Capital Group ranks better than 99% on this metric.

Kinsale Capital Group has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Kinsale Capital Group has Wide Moat: Kinsale Capital Group possesses a wide moat due to its specialized focus on excess and surplus lines insurance, leading to strong pricing power and customer loyalty. It benefits from significant regulatory barriers and a superior distribution network.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Kinsale Capital Group might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Kinsale Capital Group  (NYSE:KNSL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Kinsale Capital Group Moat Score Related Terms

KNSL vs THG, MCY, SIGI: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Kinsale Capital Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Kinsale Capital Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Kinsale Capital Group's Moat Score falls into.


KNSL
76GF Score
Kinsale Capital Group Inc KNSL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Kinsale Capital Group (KNSL) has a Moat Score of 7 as of Jul. 07, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Kinsale Capital Group ranks #6 out of 598 companies in the Insurance industry, placing it in the top 1%.
Is Kinsale Capital Group's Moat Score too high?
Kinsale Capital Group's current Moat Score is 7. Based on the distribution chart, Kinsale Capital Group ranks #6 out of 598 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 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kinsale Capital Group's Moat Score compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #6 out of 598 companies for Moat Score. This places Kinsale Capital Group in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Kinsale Capital Group's current Moat Score is 7. 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 $571.18, compared to a current price of $348.73 — trading 38.9% below its estimated fair value. The current Moat Score is 7. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current Moat Score is 7 as of Jul. 07, 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 $348.73 is trading 38.9% below its estimated GF Value™ of $571.18. GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.

Key valuation signals for KNSL:

  • Moat Score: 7
  • GF Value™: $571.18 vs. price of $348.73 (38.9% below fair value)
  • GF Score™: 76/100 with 1 warning sign

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 Business Description

Other Exchanges KCH: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.
76GF Score

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$348.73
Price
$571.18
GF Value