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Kinsale Capital GroupKNSL -3.04%76 Return-on-Tangible-Equity is 22.97% as of Mar. 2026, which is 11% above its 10-year median of 20.62. 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 497 Insurance companies, Kinsale Capital Group ranks better than 82.7% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Kinsale Capital Group's annualized net income for the quarter that ended in Mar. 2026 was $450 Mil. Kinsale Capital Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,960 Mil. Therefore, Kinsale Capital Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 22.97%.
The historical rank and industry rank for Kinsale Capital Group's Return-on-Tangible-Equity or its related term are showing as below:
KNSL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.28 Med: 20.62 Max: 33.76
Current: 29.02
During the past 13 years, Kinsale Capital Group's highest Return-on-Tangible-Equity was 33.76%. The lowest was 11.28%. And the median was 20.62%.
KNSL's Return-on-Tangible-Equity is ranked better than 82.7% of 497
companies
in the Insurance industry
Industry Median: 13.32
vs KNSL: 29.02
Kinsale Capital Group (NYSE:KNSL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Kinsale Capital Group Return-on-Tangible-Equity Related Terms
Kinsale Capital Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Kinsale Capital Group's Return-on-Tangible-Equity 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.
Kinsale Capital Group Return-on-Tangible-Equity Chart
KNSL vs THG, MCY, SIGI: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Kinsale Capital Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 22.97% mean?
Kinsale Capital Group (KNSL) has a Return-on-Tangible-Equity of 22.97% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Kinsale Capital Group and its competitors. This is 11% above median its historical median of 20.62. Over the past decade, Kinsale Capital Group's Return-on-Tangible-Equity has ranged from 11.28 to 33.76. According to the industry distribution chart, Kinsale Capital Group ranks #86 out of 497 companies in the Insurance industry, placing it in the top 17.3%.
Is Kinsale Capital Group's Return-on-Tangible-Equity too high?
Kinsale Capital Group's current Return-on-Tangible-Equity of 22.97% is 11% above median its 10-year median of 20.62. Over the past 10 years, this metric has ranged from a low of 11.28 to a high of 33.76. The Insurance industry median Return-on-Tangible-Equity is 13.32. Kinsale Capital Group's value of 22.97% is 72.4% above this industry median. Based on the distribution chart, Kinsale Capital Group ranks #86 out of 497 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 Return-on-Tangible-Equity compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #86 out of 497 companies for Return-on-Tangible-Equity. This places Kinsale Capital Group in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.32. Kinsale Capital Group's value of 22.97% is 72.4% above this benchmark. Historically, Kinsale Capital Group's own Return-on-Tangible-Equity has ranged from 11.28 to 33.76 over the past decade. While the company's 10-year median is 20.62 vs. the industry median of 13.32, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current Return-on-Tangible-Equity of 22.97% is 72.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Kinsale Capital Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current Return-on-Tangible-Equity is 22.97%, which is 11% above median its own 10-year median of 20.62. 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 $326.90 — trading 42.8% below its estimated fair value. The current Return-on-Tangible-Equity is 22.97%, which is 11% above median its 10-year median of 20.62 and 72.4% above the Insurance industry median of 13.32. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current Return-on-Tangible-Equity is 22.97% 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 $326.90 is trading 42.8% below its estimated GF Value™ of $571.13.
GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.
Key valuation signals for KNSL:
Return-on-Tangible-Equity: 22.97% (11% above median its 10-year median of 20.62)
GF Value™: $571.13 vs. price of $326.90 (42.8% below fair value)
Industry Position: 72.4% above the Insurance median (#86 of 497)
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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