Kinsale Capital GroupKNSL +0.59%76 ROA % is 7.35% as of Mar. 2026, which is 9% above its 10-year median of 6.75. 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 509 Insurance companies, Kinsale Capital Group ranks better than 91.36% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Kinsale Capital Group's annualizedNet Income for the quarter that ended in Mar. 2026 was $450 Mil.
Kinsale Capital Group's average Total Assets over the quarter that ended in Mar. 2026 was $6,130 Mil. Therefore, Kinsale Capital Group's annualized ROA % for the quarter that ended in Mar. 2026 was 7.35%.
The historical rank and industry rank for Kinsale Capital Group's ROA % or its related term are showing as below:
KNSL'
s ROA % Range Over the Past 10 Years
Min: 3.88 Med: 6.75 Max: 9.58
Current: 9.13
During the past 13 years, Kinsale Capital Group's highest ROA % was 9.58%. The lowest was 3.88%. And the median was 6.75%.
KNSL's ROA % is ranked better than 91.36% of 509
companies
in the Insurance industry
Industry Median: 2.62
vs KNSL: 9.13
Kinsale Capital Group (NYSE:KNSL) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Kinsale Capital Group's ROA % distribution charts can be found below:
* The bar in red indicates where Kinsale Capital Group's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Kinsale Capital Group (KNSL) has a ROA % of 7.35% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Kinsale Capital Group and its competitors. This is near median its historical median of 6.75. Over the past decade, Kinsale Capital Group's ROA % has ranged from 3.88 to 9.58. According to the industry distribution chart, Kinsale Capital Group ranks #44 out of 509 companies in the Insurance industry, placing it in the top 8.6%.
Is Kinsale Capital Group's ROA % too high?
Kinsale Capital Group's current ROA % of 7.35% is near median its 10-year median of 6.75. Over the past 10 years, this metric has ranged from a low of 3.88 to a high of 9.58. The Insurance industry median ROA % is 2.62. Kinsale Capital Group's value of 7.35% is 180.5% above this industry median. Based on the distribution chart, Kinsale Capital Group ranks #44 out of 509 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 ROA % compare to THG and MCY?
According to the Insurance industry distribution chart, Kinsale Capital Group ranks #44 out of 509 companies for ROA %. This places Kinsale Capital Group in the top 9% of its industry — outperforming the majority of peers. The industry median ROA % is 2.62. Kinsale Capital Group's value of 7.35% is 180.5% above this benchmark. Historically, Kinsale Capital Group's own ROA % has ranged from 3.88 to 9.58 over the past decade. While the company's 10-year median is 6.75 vs. the industry median of 2.62, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.62, based on 509 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kinsale Capital Group's current ROA % of 7.35% is 180.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Kinsale Capital Group and its competitors. For the Insurance industry, the median ROA % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kinsale Capital Group's current ROA % is 7.35%, which is near median its own 10-year median of 6.75. 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 ROA % is 7.35%, which is near median its 10-year median of 6.75 and 180.5% above the Insurance industry median of 2.62. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current ROA % is 7.35% 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 $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:
ROA %: 7.35% (near median its 10-year median of 6.75)
GF Value™: $571.13 vs. price of $340.57 (40.4% below fair value)
Industry Position: 180.5% above the Insurance median (#44 of 509)
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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