Kinsale Capital vs Universal Insurance
KNSL and UVE 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 UVE compare
Kinsale Capital is the larger company, worth 6.2 times as much as Universal Insurance ($8.3B against $1.3B).
On earnings, Universal Insurance is cheaper: it trades at 6.1× trailing earnings, against 14.8× for Kinsale Capital.
Kinsale Capital grew revenue faster over the last twelve months (15.8% versus 5.5% for Universal Insurance).
Kinsale Capital keeps more of each dollar of sales as profit, with a net margin of 28.5% compared with 13.9% at Universal Insurance.
Both pay dividends: Kinsale Capital yields 0.25% and Universal Insurance 1.6%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | KNSL | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $8.3B | $1.3B |
| Share price | $365.71 | $48.50 |
| Change, 1 year | −9.4% | 54.3% |
| Change, 5 years | 79.0% | 218% |
| Beta (5Y) | 0.55 | 0.44 |
| Employees | 720 | 929 |
| StockData Score | ||
| Total score | 15 | 15 |
| Valuation score | 2 | 4 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 6 | 6 |
| Health score | 0 | 0 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 14.8× | 6.1× (better) |
| P/S | 4.2× | 0.8× (better) |
| P/B | 4.1× | 2.1× (better) |
| P/FCF | 8.3× | 3.7× (better) |
| PEG | 0.32 | – |
| FCF yield | 12.0% | 26.7% (better) |
| Fair value | $455.84 | $56.78 |
| Margin of safety | 19.8% (better) | 14.6% |
| Growth | ||
| Revenue growth (TTM) | 15.8% (better) | 5.5% |
| Revenue growth, 5Y average | 32.4% (better) | 8.4% |
| Net income growth (TTM) | 27.3% | 90.0% (better) |
| EPS growth (TTM) | 28.7% | 88.7% (better) |
| EPS growth, 5Y average | 41.1% | 60.1% (better) |
| Profitability | ||
| Net margin | 28.5% (better) | 13.9% |
| FCF margin | 50.1% (better) | 21.6% |
| Return on equity | 30.3% | 40.8% (better) |
| Financial health | ||
| Altman Z-score | 1.88 (better) | 1.24 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.25% | 1.6% (better) |
| Payout ratio | 3.4% | 9.5% |
| Years of dividend growth | 7 (better) | 0 |
| Dividend growth, 5Y average | 13.6% (better) | 0.00% |
| Buyback yield | 2.8% (better) | 1.9% |
| Shareholder yield | 3.0% | 3.5% (better) |
| Ownership | ||
| Held by institutions | 94.6% | 77.6% |
| Held by insiders | 5.6% | 14.6% |
| Insider net buying, 12 months | −$9.6M | −$9.2M (better) |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 10.9% | 5.0% |
Go deeper
- KNSL stock overview
- KNSL income statement
- KNSL valuation and score
- UVE stock overview
- UVE income statement
- UVE valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.