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 $12.8B against $8.1B — 1.6× the size. CNA Financial Corporation trades at the lower P/E: 10.5× against 14.7×. Kinsale Capital Group, Inc. grew revenue faster over the last twelve months: 15.8% against 3.41%. Kinsale Capital Group, Inc. has the higher net margin (28.5% vs 8.16%) and the higher return on invested capital (22.1% vs 7.69%). Both pay a dividend; CNA Financial Corporation yields more (2.96% vs 0.25%). 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 10.53 14.67 10.75
P/S 0.86 4.14 1.21
P/B 1.16 4.06 1.99
Price to free cash flow 5.72 8.26 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.50% 6.82% 9.08%
Free cash flow yield 17.47% 12.11% 12.11%

Profitability

Metric CNA KNSL Insurance Property & Casualty median
Gross margin 43.73% 36.47% 41.16%
Operating margin 11.23% 36.33% 15.09%
Net margin 8.16% 28.49% 11.51%
Free cash flow margin 14.96% 50.14% 17.46%
Return on equity 11.32% 30.27% 17.34%
Return on assets 1.78% 9.49% 3.74%
Return on invested capital 7.69% 22.12% 12.06%

Growth

Metric CNA KNSL Insurance Property & Casualty median
Revenue growth (TTM) 3.41% 15.82% 8.02%
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 0.27 0.11 0.25
Current ratio 0.23 0.09 0.42
Net debt to EBITDA 1.57 0.09 0.08

Dividend

Metric CNA KNSL Insurance Property & Casualty median
Dividend yield 2.96% 0.25% 1.50%
Payout ratio 0.31 0.04 0.14

Size

Metric CNA KNSL Insurance Property & Casualty median
Market cap 12.80b 8.14b 2.67b

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