KNSL vs UPST
Kinsale Capital Group vs Upstart Holdings — AI-powered side-by-side comparison
KNSL
Kinsale Capital Group
68
Buy
VS
UPST
Upstart Holdings
54
Watch
| Metric | KNSL | UPST |
|---|
| AI Score |
68
|
54
|
| Price |
$387.76
|
$30.57
|
| P/E Ratio |
15.97×
|
48.10×
|
| ROE |
25.7%
|
6.7%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
50.1%
|
74.4%
|
| Debt / Equity |
0.11×
|
2.54×
|
| Dividend Yield |
0.2%
|
0.0%
|
| RSI (14) |
74.8
|
50.7
|
| Beta |
0.889
|
2.165
|
| Expected Upside |
+6.4%
|
+19.8%
|
AI Committee View
Current Innellis committee reasoning for KNSL versus UPST.
KNSL leads by 14 points.
KNSL scores 68/100 (Buy) versus UPST at 54/100 (Watch).
KNSL Committee View
83% agreement
6 analysts
The primary driver is eps growing 28.9% yoy. The main limiting factor is rsi at 75 is in overbought territory. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 14.9 is inexpensive for the broad market — Value
- ROE of 29.1% shows genuine earnings power backing the valuation — Value
- EPS growing 28.9% YoY — Growth
Bear Case
- Price-to-book of 4.6x prices in significant intangible value — Value
- RSI at 75 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
UPST Committee View
33% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 46.3% yoy -- genuine top-line momentum. Value Analyst remains cautious — p/e of 47.7 is expensive by classic value standards. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- Revenue growing 46.3% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- P/E of 47.7 is expensive by classic value standards — Value
- Price-to-book of 5.3x prices in significant intangible value — Value
- Debt-to-equity of 2.29 adds balance-sheet risk to the value case — Value