Kinsale Capital GroupFRA:KCH -2.54%75 Net Margin % is 24.12% as of Mar. 2026, which is 23% above its 10-year median of 19.64. 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 503 Insurance companies, Kinsale Capital Group ranks better than 89.07% on this metric.
The historical rank and industry rank for Kinsale Capital Group's Net Margin % or its related term are showing as below:
FRA:KCH'
s Net Margin % Range Over the Past 10 Years
Min: 13.33 Med: 19.64 Max: 27.48
Current: 27.48
FRA:KCH's Net Margin % is ranked better than 89.07% of 503
companies
in the Insurance industry
Industry Median: 9.2
vs FRA:KCH: 27.48
Kinsale Capital Group (FRA:KCH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Kinsale Capital Group Net Margin % Related Terms
Kinsale Capital Group Net Margin % Historical Data
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The historical data trend for Kinsale Capital Group's Net Margin % 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.
FRA:KCH vs THG, MCY, SIGI: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Kinsale Capital Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's Net Margin % 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.
Kinsale Capital Group (FRA:KCH) has a Net Margin % of 24.12% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Kinsale Capital Group and its competitors. This is 23% above median its historical median of 19.64. Over the past decade, Kinsale Capital Group's Net Margin % has ranged from 13.33 to 27.48. According to the industry distribution chart, Kinsale Capital Group ranks #55 out of 503 companies in the Insurance industry, placing it in the top 10.9%.
Is Kinsale Capital Group's Net Margin % too high?
Kinsale Capital Group's current Net Margin % of 24.12% is 23% above median its 10-year median of 19.64. Over the past 10 years, this metric has ranged from a low of 13.33 to a high of 27.48. The Insurance industry median Net Margin % is 9.20. Kinsale Capital Group's value of 24.12% is 162.2% above this industry median. Based on the distribution chart, Kinsale Capital Group ranks #55 out of 503 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 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kinsale Capital Group's Net Margin % compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #55 out of 503 companies for Net Margin %. This places Kinsale Capital Group in the top 11% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.20. Kinsale Capital Group's value of 24.12% is 162.2% above this benchmark. Historically, Kinsale Capital Group's own Net Margin % has ranged from 13.33 to 27.48 over the past decade. While the company's 10-year median is 19.64 vs. the industry median of 9.20, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.20, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current Net Margin % of 24.12% is 162.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Kinsale Capital Group and its competitors. For the Insurance industry, the median Net Margin % is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current Net Margin % is 24.12%, which is 23% above median its own 10-year median of 19.64. 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 Net Margin % is 24.12%, which is 23% above median its 10-year median of 19.64 and 162.2% above the Insurance industry median of 9.20. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Kinsale Capital Group (FRA:KCH), the current Net Margin % is 24.12% 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 (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:
Net Margin %: 24.12% (23% above median its 10-year median of 19.64)
GF Value™: €490.12 vs. price of €291.80 (40.5% below fair value)
Industry Position: 162.2% above the Insurance median (#55 of 503)
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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