KNSL (Kinsale Capital Group) Scaled Net Operating Assets: -0.10 (As of Mar. 2026)


KNSL Kinsale Capital Group Inc KNSL
80 GF Score
Price $354.85
GF Value $571.19
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Kinsale Capital Group Scaled Net Operating Assets?

Kinsale Capital Group KNSL +2.77% 80 Scaled Net Operating Assets is -0.10 as of Mar. 2026. GuruFocus rates KNSL with a GF Score™ of 80/100 and a GF Value™ of $571.19 (Significantly Undervalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kinsale Capital Group's operating assets for the quarter that ended in Mar. 2026 was $3,423 Mil. Kinsale Capital Group's operating liabilities for the quarter that ended in Mar. 2026 was $4,024 Mil. Kinsale Capital Group's Total Assets for the quarter that ended in Dec. 2025 was $6,044 Mil. Therefore, Kinsale Capital Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.10.

KNSL
80GF Score
Kinsale Capital Group Inc KNSL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Kinsale Capital Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kinsale Capital Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(5880.2-3859.581)/4886.704
=0.41

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6043.561 - 163.361
=5880.2

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4083.978 - 173.397 - 51
=3859.581

Kinsale Capital Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3422.819-4023.658)/6043.561
=-0.10

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6215.47 - 2792.651
=3422.819

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4248.124 - 173.466 - 51
=4023.658

* 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.

What does a Scaled Net Operating Assets of -0.10 mean?
Kinsale Capital Group (KNSL) has a Scaled Net Operating Assets of -0.10 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kinsale Capital Group and its competitors.
Is Kinsale Capital Group's Scaled Net Operating Assets too high?
Kinsale Capital Group's current Scaled Net Operating Assets is -0.10. Overall, Kinsale Capital Group has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kinsale Capital Group's Scaled Net Operating Assets compare to THG and MCY?
Kinsale Capital Group's Scaled Net Operating Assets of -0.10 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kinsale Capital Group and its competitors. Kinsale Capital Group's current Scaled Net Operating Assets is -0.10. 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 $571.19, compared to a current price of $354.85 — trading 37.9% below its estimated fair value. The current Scaled Net Operating Assets is -0.10. Kinsale Capital Group's overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Kinsale Capital Group (KNSL), the current Scaled Net Operating Assets is -0.10 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 $354.85 is trading 37.9% below its estimated GF Value™ of $571.19. GuruFocus considers Kinsale Capital Group to be Significantly Undervalued.

Key valuation signals for KNSL:

  • Scaled Net Operating Assets: -0.10
  • GF Value™: $571.19 vs. price of $354.85 (37.9% below fair value)
  • GF Score™: 80/100 with 2 warning signs

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 Business Description

Other Exchanges KCH:Germany
Address 2025 Staples Mill Road, Richmond, VA, USA, 23230
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.
80GF Score

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$354.85
Price
$571.19
GF Value