Buffett Brain · Research note
Score updated 26 Sept 2026 · analysis from 17 May 2026
KNSL· Financial Services
Kinsale Capital Group
Kinsale Capital's 23.52% ROIC and 14.32% owner earnings yield suggest strong fundamentals, but valuation and moat clarity remain concerns.
Buffett fit
Partial fit
Owner
73
Durability
100
Management
66
Price
46
Score updated 26 Sept 2026 · analysis from 17 May 2026
Buffett's checklist
Each number against Buffett's bar, and where it ranks among Financial Services stocks in our database.
How much profit the business makes on each dollar invested in it. Higher is better.
What is left of each sale after the cost of making the product. A high number often means pricing power.
The cash the business earns for its owners, compared with the price of the whole company.
How fast sales grew each year over the last five years.
How many years of today's profit you pay for at today's price. Lower means cheaper.
How much the company owes compared with what it owns outright. Lower is safer.
The four pillars
How the business measures up on each of Buffett's four tests.
Owning 100% of Kinsale Capital, we'd focus on sustaining the 23.52% and leveraging the 14.32% yield to compound value.
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Kinsale's durability is evident with no EPS decline over five years and a consistent of 25.04%.
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Kinsale's shows discipline with a minimal share count CAGR of 0.49% and a yield of 0.34%.
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The yield of 14.32% suggests a reasonable valuation, but the of 13.1 indicates the market expects continued growth.
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For and against
The strongest points on each side, with the numbers behind them.
In its favor
8- 123.52% exceeds Buffett's 15% threshold, indicating efficient capital use.
- 214.32% yield provides a solid return on investment.
- 330.13% revenue CAGR over 5 years reflects strong growth momentum.
- 4Net debt/EBITDA of 0.00 shows a robust balance sheet with no .
Concerns
8- 1P/B ratio of 3.50 suggests market expectations may be high.
- 2Current ratio of 0.85 could indicate potential liquidity constraints.
- 3 type is unclear, raising questions about competitive advantages.
- 4Insurance industry exposure to catastrophic events could impact profitability.
Price history
$377+127.0%· 5-year return
Weekly closing prices. Touch or hover the line for a date.
The business
How the business works
Kinsale Capital Group provides specialty insurance products across the U.S., utilizing a network of independent brokers. The company's revenue is driven by commercial lines, including construction and small business insurance. With a net income of $503.61M and of $990.05M, its unit economics show strong profitability with a net margin of 27.48%.
What other investors would say
The same company, judged by three other documented playbooks.
Keep researching
Similar companies in Financial Services
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