Kinsale Capital Group, Inc. (KNSL) vs Loews Corporation (L)

Kinsale Capital Group, Inc. and Loews Corporation are both Insurance Property & Casualty companies. Loews Corporation is the larger, with a market value of $22.5B against $8.6B — 2.6× the size. Loews Corporation trades at the lower P/E: 15.0× against 16.6×. Kinsale Capital Group, Inc. grew revenue faster over the last twelve months: 8.35% against 2.82%. Kinsale Capital Group, Inc. has the higher net margin (26.9% vs 7.93%) and the higher return on invested capital (21.1% vs 0.00%). Both pay a dividend; Kinsale Capital Group, Inc. yields more (0.24% vs 0.23%). Across the 21 metrics below, Kinsale Capital Group, Inc. leads on 15 and Loews Corporation on 6.

Valuation

Metric KNSL L Insurance Property & Casualty median
P/E 16.65 15.01 11.87
P/S 4.41 1.19 1.26
P/B 4.49 1.12 1.99
Price to free cash flow 8.85 12.46 8.12
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.01% 6.66% 8.04%
Free cash flow yield 11.30% 8.03% 11.85%

Profitability

Metric KNSL L Insurance Property & Casualty median
Gross margin 34.47% 52.93% 41.66%
Operating margin 34.33% 12.52% 14.71%
Net margin 26.89% 7.93% 10.84%
Free cash flow margin 49.82% 13.89% 17.46%
Return on equity 27.76% 7.76% 16.87%
Return on assets 8.56% 1.74% 3.57%
Return on invested capital 21.13% 0.00% 12.03%

Growth

Metric KNSL L Insurance Property & Casualty median
Revenue growth (TTM) 8.35% 2.82% 5.92%
EPS growth (last fiscal year) 21.77% 24.34% 39.61%
Revenue growth, 5-year CAGR 32.44% 7.96% 9.23%
Net income growth, 5-year CAGR 41.62% 0.00% 10.09%

Health

Metric KNSL L Insurance Property & Casualty median
Debt to equity 0.12 0.47 0.25
Current ratio 0.07 0.00 0.42
Net debt to EBITDA 0.09 2.88 0.08

Dividend

Metric KNSL L Insurance Property & Casualty median
Dividend yield 0.24% 0.23% 1.44%
Payout ratio 0.04 0.03 0.14

Size

Metric KNSL L Insurance Property & Casualty median
Market cap 8.63b 22.48b 2.61b

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