Kinsale Capital vs United Fire
KNSL and UFCS side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How KNSL and UFCS compare
Kinsale Capital is the larger company, worth 5.7 times as much as United Fire ($8.3B against $1.5B).
On earnings, United Fire is cheaper: it trades at 10.6× trailing earnings, against 14.8× for Kinsale Capital.
Kinsale Capital grew revenue faster over the last twelve months (15.8% versus 11.4% for United Fire).
Kinsale Capital keeps more of each dollar of sales as profit, with a net margin of 28.5% compared with 9.6% at United Fire.
Both pay dividends: Kinsale Capital yields 0.25% and United Fire 1.3%.
Kinsale Capital scores higher on the StockData Score (15 against 10 for United Fire), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | KNSL | UFCS |
|---|---|---|
| Size and price | ||
| Market cap | $8.3B | $1.5B |
| Share price | $365.71 | $56.83 |
| Change, 1 year | −9.4% | 89.2% |
| Change, 5 years | 79.0% | 155% |
| Beta (5Y) | 0.55 | 0.46 |
| Employees | 720 | 1,173 |
| StockData Score | ||
| Total score | 15 (better) | 10 |
| Valuation score | 2 | 3 (better) |
| Growth score | 3 | 3 |
| Performance score | 6 (better) | 2 |
| Health score | 0 | 0 |
| Dividend score | 4 (better) | 2 |
| Valuation | ||
| P/E | 14.8× | 10.6× (better) |
| P/S | 4.2× | 1.0× (better) |
| P/B | 4.1× | 1.5× (better) |
| EV/EBITDA | – | 6.6× |
| P/FCF | 8.3× | – |
| PEG | 0.32 | 0.11 (better) |
| FCF yield | 12.0% | – |
| Fair value | $455.84 | $52.46 |
| Margin of safety | 19.8% (better) | −8.3% |
| Growth | ||
| Revenue growth (TTM) | 15.8% (better) | 11.4% |
| Revenue growth, 5Y average | 32.4% (better) | 5.3% |
| Net income growth (TTM) | 27.3% | 53.5% (better) |
| EPS growth (TTM) | 28.7% | 53.3% (better) |
| EPS growth, 5Y average | 41.1% | – |
| Profitability | ||
| Net margin | 28.5% (better) | 9.6% |
| FCF margin | 50.1% | – |
| Return on equity | 30.3% (better) | 15.5% |
| Financial health | ||
| Altman Z-score | 1.88 (better) | 0.93 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.25% | 1.3% (better) |
| Payout ratio | 3.4% | 13.1% |
| Years of dividend growth | 7 (better) | 0 |
| Dividend growth, 5Y average | 13.6% (better) | −10.9% |
| Buyback yield | 2.8% (better) | 0.14% |
| Shareholder yield | 3.0% (better) | 1.5% |
| Ownership | ||
| Held by institutions | 94.6% | 68.4% |
| Held by insiders | 5.6% | 16.4% |
| Insider net buying, 12 months | −$9.6M | −$994K (better) |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 10.9% | 2.2% |
Go deeper
- KNSL stock overview
- KNSL income statement
- KNSL valuation and score
- UFCS stock overview
- UFCS income statement
- UFCS valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.