Is Kinsale Capital Group, Inc. overvalued or undervalued?

As of 21 November 2025, the valuation grade for Kinsale Capital Group, Inc. has moved from expensive to very expensive, indicating a significant increase in perceived overvaluation. The company is considered overvalued based on its P/E ratio of 27, which is substantially higher than the industry average, and a Price to Book Value of 7.01. Additionally, the PEG Ratio stands at 1.86, suggesting that the stock may not be justified by its growth prospects.
In comparison to its peers, Kinsale Capital Group's P/E ratio is notably higher than CNA Financial Corp.'s fair valuation at 14.82 and Unum Group's expensive valuation at 13.25. The EV to EBITDA ratio of 1842.81 further emphasizes the company's overvaluation compared to the industry standards. Over the past year, Kinsale has underperformed the S&P 500, with a return of -21.44% compared to the index's 11.00%, reinforcing the notion that the stock may be overvalued at its current price.