KNSL Trails Behind Industry, Sells at a Premium: Should You Hold the Stock?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 18 2025
0mins
Should l Buy ACGL?
Source: NASDAQ.COM
Stock Performance: Kinsale Capital Group, Inc. (KNSL) shares have declined by 17.1% over the past year, underperforming the industry average growth of 6.8%, while trading at a premium compared to the Zacks Property and Casualty Insurance industry.
Earnings Growth and Estimates: The Zacks Consensus Estimate predicts a 17.8% increase in Kinsale Capital's 2025 earnings per share, with a long-term earnings growth rate of 14.8%, significantly higher than the industry average of 7.3%.
Operational Efficiency: Kinsale Capital boasts a return on equity (ROE) of 25.6% and a return on invested capital (ROIC) of 22.4%, both outperforming industry averages, indicating strong efficiency in utilizing shareholder funds.
Market Position and Strategy: The company is well-positioned in the excess and surplus (E&S) market, targeting small and medium-sized accounts with better pricing strategies, and has a solid dividend history along with a share repurchase program to enhance shareholder value.
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Analyst Views on ACGL
Wall Street analysts forecast ACGL stock price to rise
12 Analyst Rating
5 Buy
6 Hold
1 Sell
Moderate Buy
Current: 99.850
Low
93.00
Averages
106.08
High
124.00
Current: 99.850
Low
93.00
Averages
106.08
High
124.00
About ACGL
Arch Capital Group Ltd. is a Bermuda-based company, which provides insurance, reinsurance, and mortgage insurance through its subsidiaries. The insurance segment consists of the Company’s insurance underwriting units, which offer specialty product lines, including construction and national accounts; excess and surplus casualty; professional lines; programs; property, energy, marine and aviation; travel, accident and health; warranty and lender solutions, and others (consisting of alternative markets, excess workers' compensation and surety business). The reinsurance segment consists of its reinsurance underwriting units, which offer specialty product lines, including casualty; marine and aviation; other specialty; property catastrophe; property excluding property catastrophe, and others (consisting of life reinsurance and other). The mortgage segment includes its United States primary mortgage insurance business, investment and services related to United States credit-risk transfer.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Enhanced Customer Experience: The incorporation of Arch RoamRight's offerings into Tern's platform provides travelers with a one-stop solution for booking and protection, streamlining the travel planning process and increasing travel advisors' efficiency and client satisfaction.
- Strategic Market Positioning: This partnership not only demonstrates Arch RoamRight's commitment to technological innovation but also indicates its dedication to enhancing customer protection and service quality in the highly competitive travel insurance market.
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- Effective Capital Management: The company repurchased $1.9 billion of common stock in 2025, reflecting robust operating cash flows and capital generation capabilities, while book value per share increased by 22.6%, further enhancing shareholder value.
- Strong Insurance Segment Performance: The insurance group reported $119 million in underwriting income for Q4, with gross premiums written increasing by 2%, while the reinsurance segment achieved a record $1.6 billion in underwriting income for the year, indicating solid growth across business segments.
- Optimistic Outlook: Despite increased competition, management expressed measured optimism for 2026, expecting the operating expense ratio to range between 3.9% and 4.5%, demonstrating the company's ongoing focus on cost control and risk management.
See More
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- Market Reaction: This rating upgrade could lead to a short-term increase in stock price, thereby boosting investor buying interest and further driving the company's market capitalization growth.
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- Catastrophic Losses: The company faced pre-tax current accident year catastrophic losses of $164 million in its insurance and reinsurance segments, net of reinsurance and reinstatement premiums, highlighting ongoing market risks.
- Reserve Development: Arch Capital experienced favorable development in prior year loss reserves amounting to $118 million, net of related adjustments, showcasing effective risk management and loss control, which enhances financial stability.
- Share Buybacks: The company executed $798 million in share repurchases during Q4, reflecting confidence in its intrinsic value, while the book value per common share reached $65.11 as of December 31, 2025, marking a 4.5% increase from September 30, 2025.
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