WallStSmart

Kinsale Capital Group Inc (KNSL)vsW. R. Berkley Corp (WRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

W. R. Berkley Corp generates 685% more annual revenue ($14.71B vs $1.87B). KNSL leads profitability with a 26.9% profit margin vs 12.1%. KNSL appears more attractively valued with a PEG of 1.07. KNSL earns a higher WallStSmart Score of 75/100 (B).

KNSL

Strong Buy

75

out of 100

Grade: B

Growth: 8.7Profit: 9.0Value: 10.0Quality: 6.0
Piotroski: 3/9

WRB

Buy

55

out of 100

Grade: C-

Growth: 4.0Profit: 7.0Value: 4.7Quality: 4.8
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KNSLUndervalued (+60.0%)

Margin of Safety

+60.0%

Fair Value

$1013.22

Current Price

$327.22

$686.00 discount

UndervaluedFair: $1013.22Overvalued
WRBSignificantly Overvalued (-136.4%)

Margin of Safety

-136.4%

Fair Value

$30.26

Current Price

$64.49

$34.23 premium

UndervaluedFair: $30.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KNSL6 strengths · Avg: 8.8/10
Operating MarginProfitability
36.8%10/10

Strong operational efficiency at 36.8%

Return on EquityProfitability
29.2%9/10

Every $100 of equity generates 29 in profit

Profit MarginProfitability
26.9%9/10

Keeps 27 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
17.3%8/10

17.3% revenue growth

WRB2 strengths · Avg: 8.0/10
P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

KNSL1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

WRB4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
10.112/10

Expensive relative to growth rate

EPS GrowthGrowth
-21.8%2/10

Earnings declined 21.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : KNSL

The strongest argument for KNSL centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 26.9% and operating margin at 36.8%. Revenue growth of 17.3% demonstrates continued momentum.

Bull Case : WRB

The strongest argument for WRB centers on P/E Ratio, Price/Book.

Bear Case : KNSL

The primary concerns for KNSL are Piotroski F-Score.

Bear Case : WRB

The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

KNSL profiles as a growth stock while WRB is a value play — different risk/reward profiles.

KNSL carries more volatility with a beta of 1.04 — expect wider price swings.

KNSL is growing revenue faster at 17.3% — sustainability is the question.

WRB generates stronger free cash flow (896M), providing more financial flexibility.

Bottom Line

KNSL scores higher overall (75/100 vs 55/100), backed by strong 26.9% margins and 17.3% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Kinsale Capital Group Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Kinsale Capital Group, Inc., a specialty insurance company, offers property and casualty insurance products in the United States. The company is headquartered in Richmond, Virginia.

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W. R. Berkley Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.

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