Which is better, HCXY or KNSL?

On the Buffett-Fit framework, Kinsale Capital Group, Inc. (KNSL) currently grades higher than HCXY — 74/100 (B grade) vs 45/100 (D). That said, "better" depends on which framework you trust — HCXY wins on Benjamin Graham; KNSL wins on Warren Buffett, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy HCXY or KNSL?

This page is an educational comparison, not investment advice. Both HCXY and KNSL are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is HCXY better than KNSL for value investing?

On the Buffett-style value-investing framework, KNSL currently grades higher — 74/100 vs 45/100, a 29-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between HCXY and KNSL on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). HCXY currently scores 45/100 (D grade); KNSL scores 74/100 (B grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, HCXY or KNSL?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. HCXY and KNSL are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, HCXY or KNSL?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are HCXY and KNSL both Financial Services stocks?

Yes — both Hercules Capital, Inc. (HCXY) and Kinsale Capital Group, Inc. (KNSL) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this HCXY vs KNSL comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Hercules Capital

Kinsale Capital Group

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

HCXY

Hercules Capital

Market cap

$3.52B

Sector

Financials

KNSL

Kinsale Capital Group

Market cap

$7.15B

Sector

Financials

Overall winner

Kinsale Capital Group KNSL

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	HCXY	KNSL	Winner
Warren Buffett	45D	74B	KNSL
Benjamin Graham	62C	58C	HCXY
Philip Fisher

Side-by-side metrics

Metric	HCXY	KNSL
Market cap	$3.52B	$7.15B
P/E (TTM)	15.8x	13.1x
EV/EBIT	8.1x	10.9x
ROIC (TTM)	4.54%	23.52%
Gross margin	95.77%	46.64%
Net margin	52.14%	27.48%
Revenue CAGR 5y	15.03%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

HCXY leads on

Dividend yield6.26%vs 0.25%+96%
ROIC (TTM)4.54%vs 23.52%+95%
Debt / Equity0.0xvs 0.1x+94%
Gross margin95.77%vs 46.64%

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Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.