Kinsale Capital GroupKNSL +0.59%76 PB Ratio is 3.99 as of Jul. 12, 2026, which is 39% below its 10-year median of 6.49. 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 500 Insurance companies, Kinsale Capital Group ranks worse than 88.4% on this metric.
The historical rank and industry rank for Kinsale Capital Group's PB Ratio or its related term are showing as below:
KNSL'
s PB Ratio Range Over the Past 10 Years
Min: 2.09 Med: 6.49 Max: 12.01
Current: 3.99
During the past 13 years, Kinsale Capital Group's highest PB Ratio was 12.01. The lowest was 2.09. And the median was 6.49.
KNSL's PB Ratio is ranked worse than 88.4% of 500
companies
in the Insurance industry
Industry Median: 1.395
vs KNSL: 3.99
During the past 12 months, Kinsale Capital Group's average Book Value Per Share Growth Rate was 25.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 37.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 27.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 28.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Kinsale Capital Group was 37.90% per year. The lowest was 20.90% per year. And the median was 30.80% per year.
Back to Basics: PB Ratio
Kinsale Capital Group (NYSE:KNSL) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Kinsale Capital Group (KNSL) has a PB Ratio of 3.99 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kinsale Capital Group and its competitors. This is 39% below median its historical median of 6.49. Over the past decade, Kinsale Capital Group's PB Ratio has ranged from 2.09 to 12.01. According to the industry distribution chart, Kinsale Capital Group ranks #442 out of 500 companies in the Insurance industry, placing it in the top 88.4%.
Is Kinsale Capital Group's PB Ratio too high?
Kinsale Capital Group's current PB Ratio of 3.99 is 39% below median its 10-year median of 6.49. Over the past 10 years, this metric has ranged from a low of 2.09 to a high of 12.01. The Insurance industry median PB Ratio is 1.40. Kinsale Capital Group's value of 3.99 is 186% above this industry median. Based on the distribution chart, Kinsale Capital Group ranks #442 out of 500 companies in the Insurance industry, which is in the bottom quartile 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 PB Ratio compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #442 out of 500 companies for PB Ratio. This places Kinsale Capital Group in the lower half of its industry. The industry median PB Ratio is 1.40. Kinsale Capital Group's value of 3.99 is 186% above this benchmark. Historically, Kinsale Capital Group's own PB Ratio has ranged from 2.09 to 12.01 over the past decade. While the company's 10-year median is 6.49 vs. the industry median of 1.40, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current PB Ratio of 3.99 is 186% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kinsale Capital Group and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current PB Ratio is 3.99, which is 39% below median its own 10-year median of 6.49. 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 PB Ratio is 3.99, which is 39% below median its 10-year median of 6.49 and 186% above the Insurance industry median of 1.40. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current PB Ratio is 3.99 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 (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:
PB Ratio: 3.99 (39% below median its 10-year median of 6.49)
GF Value™: $571.13 vs. price of $340.57 (40.4% below fair value)
Industry Position: 186% above the Insurance median (#442 of 500)
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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