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Kinsale Capital GroupKNSL -2.27%76 PE Ratio (TTM) is 14.84 as of Jul. 14, 2026, which is 57% below its 10-year median of 34.85. 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 445 Insurance companies, Kinsale Capital Group ranks worse than 61.57% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-14), Kinsale Capital Group's share price is
$337.14.
Kinsale Capital Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $22.72. Therefore, Kinsale Capital Group's PE Ratio (TTM) for today is 14.84.
The historical rank and industry rank for Kinsale Capital Group's PE Ratio (TTM) or its related term are showing as below:
KNSL'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 13.41 Med: 34.85 Max: 82.43
Current: 14.84
During the past 13 years, the highest PE Ratio (TTM) of Kinsale Capital Group was 82.43. The lowest was 13.41. And the median was 34.85.
KNSL's PE Ratio (TTM) is ranked worse than 61.57% of 445
companies
in the Insurance industry
Industry Median: 12.35
vs KNSL: 14.84
During the past 12 months, Kinsale Capital Group's average EPS without NRIGrowth Rate was 31.60% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 40.50% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 47.00% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 39.70% per year.
During the past 13 years, Kinsale Capital Group's highest 3-Year average EPS without NRI Growth Rate was 58.20% per year. The lowest was 13.70% per year. And the median was 39.70% per year.
Kinsale Capital Group (NYSE:KNSL) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Kinsale Capital Group PE Ratio (TTM) Related Terms
Kinsale Capital Group PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Kinsale Capital Group's PE Ratio (TTM) 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.
For the Insurance - Property & Casualty subindustry, Kinsale Capital Group's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Kinsale Capital Group's Share Price of today is $337.14.
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 $22.72.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Kinsale Capital Group (KNSL) has a PE Ratio (TTM) of 14.84 as of Jul. 14, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Kinsale Capital Group and its competitors. This is 57% below median its historical median of 34.85. Over the past decade, Kinsale Capital Group's PE Ratio (TTM) has ranged from 13.41 to 82.43. According to the industry distribution chart, Kinsale Capital Group ranks #274 out of 445 companies in the Insurance industry, placing it in the top 61.6%.
Is Kinsale Capital Group's PE Ratio (TTM) too high?
Kinsale Capital Group's current PE Ratio (TTM) of 14.84 is 57% below median its 10-year median of 34.85. Over the past 10 years, this metric has ranged from a low of 13.41 to a high of 82.43. The Insurance industry median PE Ratio (TTM) is 12.35. Kinsale Capital Group's value of 14.84 is 20.2% above this industry median. Based on the distribution chart, Kinsale Capital Group ranks #274 out of 445 companies in the Insurance industry, which is below 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 PE Ratio (TTM) compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #274 out of 445 companies for PE Ratio (TTM). This places Kinsale Capital Group in the lower half of its industry. The industry median PE Ratio (TTM) is 12.35. Kinsale Capital Group's value of 14.84 is 20.2% above this benchmark. Historically, Kinsale Capital Group's own PE Ratio (TTM) has ranged from 13.41 to 82.43 over the past decade. While the company's 10-year median is 34.85 vs. the industry median of 12.35, 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 PE Ratio (TTM) for an Insurance company?
The median PE Ratio (TTM) among Insurance companies is 12.35, based on 445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current PE Ratio (TTM) of 14.84 is 20.2% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Kinsale Capital Group and its competitors. For the Insurance industry, the median PE Ratio (TTM) is 12.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current PE Ratio (TTM) is 14.84, which is 57% below median its own 10-year median of 34.85. 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 $337.14 — trading 41% below its estimated fair value. The current PE Ratio (TTM) is 14.84, which is 57% below median its 10-year median of 34.85 and 20.2% above the Insurance industry median of 12.35. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current PE Ratio (TTM) is 14.84 as of Jul. 14, 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 $337.14 is trading 41% below its estimated GF Value™ of $571.13.
GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.
Key valuation signals for KNSL:
PE Ratio (TTM): 14.84 (57% below median its 10-year median of 34.85)
GF Value™: $571.13 vs. price of $337.14 (41% below fair value)
Industry Position: 20.2% above the Insurance median (#274 of 445)
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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