KNSL · NASDAQ · STOCK
Kinsale Capital Group
$370.32
52W $287.20 – $485.00
63/100
$8.51B
15.1
0.89
Is KNSL Bullish or Bearish?
Bullish.
Innellis AI committee rates Kinsale Capital Group (KNSL) Buy with a composite score of 63/100
, based on 5 analysts with 80% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.45 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -7.55 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — 5 consecutive earnings beats -- consistent execution. Risk Analyst remains cautious — bollinger bandwidth of 19.5% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.20 across 10 articles, 14d) — News
Bear Case
- Bollinger bandwidth of 19.5% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 09, 2026
Overall Committee Score
63/100
Agreement
80%
Analysts
5
Conviction
Contested
Sector Rank
Top 51%
of 142 Financial Services peers
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 19.5% signals elevated volatility
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 10 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score weakened from 65.9 to 62.5.
- High-conviction consensus weakened -- analysts became more divided.
- Committee agreement fell modestly from 83% to 80%.
- Bullish support removed: 4 signal(s) disappeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Risk Analyst.
- Analyst(s) abstained: Value Analyst.
Analyst-level changes:
- Growth Analyst: score 79->82 (+4).
- Risk Analyst: stance neutral->bearish; score 58->35 (-22).
- Value Analyst abstained (was bullish at 64).
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
63.6
Neutral
MACD Histogram
1.432
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Hh Hl
Support
$369.36
Resistance
$420.84
Bollinger %B
0.81
Inside Bands
Price vs Moving Averages
EMA 9
$365.49
Above
EMA 21
$354.72
Above
EMA 50
$341.77
Above
EMA 200
$362.01
Above
Fundamental Analysis
Valuation
86
Growth
78
Profitability
90
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
15.1×
P/B Ratio
4.18×
PEG Ratio
0.53
Dividend Yield
0.22%
52W High
$485.00
52W Low
$287.20
Quality & Growth
ROE
2570.0%
ROA
833.3%
Gross Margin
5005.3%
Operating Margin
3589.6%
Revenue Growth YoY
—
Debt / Equity
0.11
AI Fundamental Assessment
P/E ratio of 15.1 (inexpensive relative to a 15-40x range); Price-to-book of 4.2x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 25.7%; Return on assets of 8.3%; Net margin of 28.5%; Gross margin of 50.1%; Current ratio of 0.41 (tight short-term liquidity); Debt-to-equity of 0.11; Free cash flow per share is positive (43.97); Most recent quarter beat estimates by 6.5%; 5 consecutive earnings beats; EPS growth accelerating (-12.0% -> +8.4% QoQ); Average YoY EPS growth of 15.9%; Analyst estimates falling over recent quarters
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