Kinsale Capital Group, Inc. Financial Ratios — KCH Stock

Profitability (USD)

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	21.62	16.17	11.11	13.46	18.9	18.01	23.94	22.03	33.63	32.28	29.25
Return on Assets (%)	- -	- -	4.53	4.51	3.88	4.69	6.79	6.7	8.55	6.67	9.45	9.58	9.22
Return on Capital (%)	- -	- -	16.93	14.81	11.11	13.46	18.44	17.01	21.87	18.84	28.61	28.79	26.59
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.96	30.58	41.64	27.92	20.62	18.22	24.08	21.83	28.89	23.31	31.36	32.42	33.85
Profit Margin (%)	25.3	20.37	27.64	18.48	13.33	15.21	20.04	19.23	23.36	18.97	25.16	26.13	26.87
Net Income to Common Margin (%)	25.3	20.37	27.64	18.48	13.33	15.21	20.04	19.23	23.36	18.97	25.16	26.13	26.87
Effective Tax Rate (%)	- -	33.38	33.63	33.81	35.36	16.53	16.75	11.94	19.14	18.64	19.77	19.4	20.6
Dvd Payout Ratio (%)	- -	- -	- -	8.01	20.24	17.48	10.94	9.13	6.56	7.5	4.2	3.36	3.13
Sustainable Growth Rate (%)	- -	- -	21.62	14.87	8.86	11.1	16.84	16.36	22.36	20.37	32.22	31.19	28.34

Credit (USD)

Credit Ratios API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	27	30	- -	- -	- -	17	43	85	196	184	184	224
ST Debt	- -	- -	- -	- -	- -	- -	17	43	43	- -	- -	11	51
LT Debt	- -	27	30	- -	- -	- -	- -	- -	43	196	184	173	173
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	1	4	10	10	11
Common Equity/Total Assets	- -	21.16	20.81	34.22	35.67	34.15	37.22	37.25	34.52	27.14	28.81	30.36	32.42
Long-Term Debt/Equity (%)	- -	29.68	26.09	- -	- -	- -	- -	- -	6.11	26.26	16.92	11.67	8.85
Long-Term Debt/Capital (%)	- -	22.89	20.69	- -	- -	- -	- -	- -	5.44	20.8	14.47	10.38	7.94
Long-Term Debt/Total Assets (%)	- -	6.28	5.43	- -	- -	- -	- -	- -	2.11	7.13	4.87	3.54	2.87
Total Debt/Equity (%)	- -	29.68	26.09	- -	- -	- -	4.13	7.39	12.21	26.26	16.92	12.41	11.45
Total Debt/Capital (%)	- -	22.89	20.69	- -	- -	- -	3.96	6.88	10.88	20.8	14.47	11.04	10.27
Total Debt/Total Assets (%)	- -	6.28	5.43	- -	- -	- -	1.54	2.75	4.22	7.13	4.87	3.77	3.71
Net Debt to Equity	- -	3.81	4.46	-24.14	-34.32	-28.44	-20.61	-5.99	-5.1	5.3	5.26	4.78	3.11
Net Debt/Capital (%)	- -	3.67	4.27	-31.83	-52.25	-39.75	-25.97	-6.37	-5.37	5.03	5	4.56	3.02
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	21.16	20.81	34.22	35.67	34.15	37.22	37.25	34.52	27.14	28.81	30.36	32.42
Long-Term Debt/Equity (%)	- -	29.68	26.09	- -	- -	- -	- -	- -	6.11	26.26	16.92	11.67	8.85
Long-Term Debt/Capital (%)	- -	22.89	20.69	- -	- -	- -	- -	- -	5.44	20.8	14.47	10.38	7.94
Long-Term Debt/Total Assets (%)	- -	6.28	5.43	- -	- -	- -	- -	- -	2.11	7.13	4.87	3.54	2.87
Total Debt/Equity (%)	- -	29.68	26.09	- -	- -	- -	4.13	7.39	12.21	26.26	16.92	12.41	11.45
Total Debt/Capital (%)	- -	22.89	20.69	- -	- -	- -	3.96	6.88	10.88	20.8	14.47	11.04	10.27
Total Debt/Total Assets (%)	- -	6.28	5.43	- -	- -	- -	1.54	2.75	4.22	7.13	4.87	3.77	3.71
CFO/Total Liabilities	- -	23.21	18.23	18.24	18.01	20.43	26.05	28.84	30.69	27.87	32.01	28.69	25.56
CFO/CapEx	287.43	75.61	340.7	130.52	432.39	81.68	9.09	8.52	68.76	80.83	130.14	40.78	19.44
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	0.75	1.29	2.26	2.95	3.36	3.7	3.89	3.23	3.41	3.65	3.76
Days Sales Outstanding	- -	- -	483.74	282.25	161.46	123.59	108.67	98.78	93.79	113.18	106.9	99.9	97.08
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	725	952	1,112	2,226	4,676	5,381	6,020	7,692	11,069	9,015
- Cash & Cash Equivalents	- -	24	25	51	82	75	100	77	121	156	127	113	163
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	27	30	- -	- -	- -	17	43	85	196	184	184	224
Enterprise Value	- -	- -	- -	244	445	527	1,413	3,559	3,953	4,259	5,032	7,599	6,559
Total Capital	- -	120	143	210	238	264	423	619	785	941	1,271	1,668	2,184
Total Debt/Capital (%)	- -	22.89	20.69	- -	- -	- -	3.96	6.88	10.88	20.8	14.47	11.04	10.27
Total Debt / EV	- -	- -	- -	- -	- -	- -	0.01	0.01	0.02	0.05	0.04	0.02	0.03
EV/Sales	- -	- -	- -	1.72	2.38	2.37	4.47	7.74	6.05	5.08	4.11	4.79	3.5
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	3.31	5.75	5.07	7.92	12.71	9.69	7.59	5.8	7.72	6.23
EV/Free Cash Flow to Firm	- -	- -	- -	3.34	5.77	5.13	8.9	14.4	9.84	7.68	5.84	7.91	6.57
Diluted Market Cap	- -	- -	- -	728	973	1,135	2,219	4,695	5,434	6,029	7,734	11,098	9,059
Diluted Enterprise Value	- -	- -	- -	248	466	550	1,406	3,579	4,007	4,268	5,074	7,627	6,603
EV per Share	- -	- -	- -	11.65	21.17	24.8	63.64	156.41	173.12	184.43	217.07	326.52	283.38
TTM Sales	48	64	81	142	187	222	316	460	653	839	1,224	1,588	1,874
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	80	79	74	77	104	178	280	408	561	868	984	1,052
TTM Free Cash Flow to Firm	- -	79	78	73	77	103	159	247	402	554	861	961	999

Multiples (USD)

Valuation Multiples API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	9.95	12.6	11.05	13.98	19	13.55	10.94	9.06	11.65	9.15
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	244	445	527	1,413	3,559	3,953	4,259	5,032	7,599	6,559
Low Price	- -	- -	- -	20.44	27.58	42.97	54.03	82.07	152.25	178.35	250.68	329.83	349.53
EV/Sales	- -	- -	- -	1.72	2.38	2.37	4.47	7.74	6.05	5.08	4.11	4.79	3.5
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	27.52	38.16	32.68	34.09	51.86	35.03	37.39	24.82	26.55	17.9
Price/Earnings Average	- -	- -	- -	20.88	31.1	34.21	28.58	40.85	26.5	34.16	25.62	24.58	20.24
Price/Earnings High	- -	- -	- -	27.52	38.16	39.83	36.41	63.8	36.11	46.89	33.87	30.51	22.65
Price/Earnings Low	- -	- -	- -	16.28	23.25	26.82	18.37	20.72	22.63	25.57	18.75	18.41	16.06
Price/Book Value	- -	- -	- -	3.45	4	4.21	5.49	8.11	7.69	8.08	7.08	7.46	4.6
Price/Book Value Average	- -	- -	- -	2.61	3.26	4.41	4.6	6.39	5.82	7.38	7.31	6.91	5.2
Price/Book Value High	- -	- -	- -	3.45	4	5.13	5.86	9.98	7.93	10.13	9.66	8.58	5.82
Price/Book Value Low	- -	- -	- -	2.04	2.44	3.46	2.96	3.24	4.97	5.52	5.35	5.17	4.13
Price/Tangible Book Value	- -	- -	- -	3.51	4.06	4.27	5.53	8.16	7.73	8.11	7.1	7.48	4.61
Price/Tangible Book Value Average	- -	- -	- -	2.66	3.31	4.47	4.64	6.43	5.85	7.41	7.33	6.92	5.21
Price/Tangible Book Value High	- -	- -	- -	3.51	4.06	5.2	5.91	10.04	7.97	10.18	9.69	8.6	5.83
Price/Tangible Book Value Low	- -	- -	- -	2.07	2.47	3.5	2.98	3.26	5	5.55	5.36	5.19	4.14
Price/Sales	- -	- -	- -	5.09	5.09	4.97	6.83	9.97	8.18	7.09	6.25	6.94	4.81
Price/Sales Average	- -	- -	- -	3.86	4.15	5.2	5.73	7.85	6.19	6.48	6.45	6.42	5.44
Price/Sales High	- -	- -	- -	5.09	5.09	6.06	7.3	12.27	8.44	8.89	8.52	7.97	6.09
Price/Sales Low	- -	- -	- -	3.01	3.1	4.08	3.68	3.98	5.29	4.85	4.72	4.81	4.32
Price/Cash Flow	- -	- -	- -	9.77	12.28	10.62	12.1	16.38	13.14	10.66	8.89	11.28	8.64
Price/Cash Flow Average	- -	- -	- -	7.41	10.01	11.11	10.15	12.9	9.94	9.74	9.18	10.44	9.77
Price/Cash Flow High	- -	- -	- -	9.77	12.28	12.94	12.93	20.15	13.54	13.38	12.13	12.96	10.93
Price/Cash Flow Low	- -	- -	- -	5.78	7.48	8.72	6.52	6.54	8.49	7.29	6.72	7.82	7.75
Price/Free Cash Flow Average	- -	- -	- -	7.55	10.27	11.57	11.72	14.97	10.25	10	9.36	10.79	10.35
Price/Free Cash Flow High	- -	- -	- -	9.95	12.6	13.47	14.93	23.38	13.97	13.73	12.37	13.39	11.58
Price/Free Cash Flow Low	- -	- -	- -	5.89	7.68	9.07	7.53	7.59	8.75	7.49	6.85	8.08	8.21
EV/Sales Average	- -	- -	- -	0.49	1.44	2.61	3.33	5.58	4.04	4.46	4.31	4.27	4.13
EV/Sales High	- -	- -	- -	1.72	2.38	3.47	4.95	10.08	6.3	6.9	6.4	5.83	4.78
EV/Sales Low	- -	- -	- -	- -	0.39	1.47	1.22	1.63	3.14	2.81	2.57	2.65	3.01
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	34.56	45.26	52.35	100.26	205.46	235.64	260.73	331.82	475.64	389.5
High Price	- -	- -	- -	34.56	45.26	63.81	107.08	252.76	242.93	327.02	452.77	546.65	493.04
Enterprise Value Average	- -	- -	- -	69	269	579	1,053	2,566	2,643	3,738	5,280	6,777	7,741
Enterprise Value High	- -	- -	- -	244	445	770	1,565	4,636	4,120	5,789	7,836	9,251	8,956
Enterprise Value Low	- -	- -	- -	-52	73	327	387	751	2,049	2,356	3,151	4,206	5,634

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	21	21	21	21	21	21	22	23	23	23	23	23	23
Diluted Weighted Avg Shares	21	21	21	21	21	22	22	23	23	23	23	23	23
Basic Weighted Avg Shares	21	21	21	21	21	21	22	22	23	23	23	23	23
Revenue per Share	2.31	3.04	3.84	6.8	8.9	10.53	14.67	20.61	28.8	36.77	53.13	68.57	80.98
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.59	0.62	1.06	1.26	1.19	1.6	2.94	3.96	6.73	6.97	13.37	17.92	21.76
Basic EPS from Cont Ops	0.59	0.62	1.06	1.26	1.19	1.6	2.94	3.96	6.73	6.97	13.37	17.92	21.76
Diluted EPS, GAAP	0.59	0.62	1.06	1.24	1.16	1.56	2.86	3.87	6.62	6.88	13.22	17.78	21.65
Diluted EPS from Cont Ops	0.59	0.62	1.06	1.24	1.16	1.56	2.86	3.87	6.62	6.88	13.22	17.78	21.65
Dividend per Share	- -	- -	- -	0.1	0.24	0.28	0.32	0.36	0.44	0.52	0.56	0.6	0.68
Cash Flow per Share	2.95	3.82	3.75	3.54	3.69	4.93	8.28	12.54	17.94	24.45	37.31	42.17	45.11
Free Cash Flow per Basic Share	2.94	3.77	3.74	3.51	3.68	4.87	7.37	11.07	17.68	24.15	37.02	41.13	42.79
Cash & Equivalents per Share	- -	13.94	17.58	22.91	24.1	27.56	37.38	50.92	66.26	84.78	122.68	157.03	115.81
Book Value per Share	- -	4.42	5.41	10.03	11.32	12.43	18.28	25.32	30.63	32.28	46.88	63.75	84.66
Tangible Book Value per Share	- -	4.25	5.24	9.86	11.15	12.26	18.12	25.17	30.47	32.13	46.73	63.6	84.51