CNA Financial Corporation (CNA) vs Kinsale Capital Group, Inc. (KNSL)

CNA Financial Corporation and Kinsale Capital Group, Inc. are both Insurance Property & Casualty companies. CNA Financial Corporation is the larger, with a market value of $13.0B against $8.9B — 1.5× the size. CNA Financial Corporation trades at the lower P/E: 12.6× against 17.2×. Kinsale Capital Group, Inc. grew revenue faster over the last twelve months: 8.35% against 2.05%. Kinsale Capital Group, Inc. has the higher net margin (26.9% vs 6.80%) and the higher return on invested capital (21.1% vs 6.92%). Both pay a dividend; CNA Financial Corporation yields more (2.96% vs 0.23%). Across the 21 metrics below, Kinsale Capital Group, Inc. leads on 11 and CNA Financial Corporation on 10.

Valuation

Metric CNA KNSL Insurance Property & Casualty median
P/E 12.65 17.23 12.17
P/S 0.86 4.56 1.26
P/B 1.27 4.64 1.85
Price to free cash flow 5.91 9.16 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.91% 5.81% 8.20%
Free cash flow yield 16.91% 10.92% 11.86%

Profitability

Metric CNA KNSL Insurance Property & Casualty median
Gross margin 41.66% 34.47% 37.39%
Operating margin 9.38% 34.33% 14.67%
Net margin 6.80% 26.89% 10.16%
Free cash flow margin 14.50% 49.82% 18.60%
Return on equity 9.56% 27.76% 16.59%
Return on assets 1.50% 8.56% 3.38%
Return on invested capital 6.92% 21.13% 9.43%

Growth

Metric CNA KNSL Insurance Property & Casualty median
Revenue growth (TTM) 2.05% 8.35% 5.70%
EPS growth (last fiscal year) 33.24% 21.77% 39.61%
Revenue growth, 5-year CAGR 6.76% 32.44% 9.23%
Net income growth, 5-year CAGR 13.12% 41.62% 10.09%

Health

Metric CNA KNSL Insurance Property & Casualty median
Debt to equity 0.29 0.12 0.25
Current ratio 0.22 0.07 0.49
Net debt to EBITDA 1.57 0.09 0.08

Dividend

Metric CNA KNSL Insurance Property & Casualty median
Dividend yield 2.96% 0.23% 1.56%
Payout ratio 0.37 0.04 0.15

Size

Metric CNA KNSL Insurance Property & Casualty median
Market cap 13.02b 8.93b 2.64b

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