Kinsale Capital Group vs Universal Insurance Holdings
Kinsale Capital Group is the larger business, with $1.87bn of revenue in fiscal 2025 against $1.60bn for Universal Insurance Holdings (1.2 times as much). Kinsale Capital Group grew faster (18.0% against 5.5%). Kinsale Capital Group kept more of each dollar of sales as profit: a net margin of 26.9% against 11.4%. Kinsale Capital Group carries less debt relative to equity (11.5% against 18.3%).
| Latest fiscal year | Kinsale Capital GroupKNSL, 2025 | Universal Insurance HoldingsUVE, 2025 |
|---|---|---|
| Revenue | $1.87bn | $1.60bn |
| Revenue growth | 18.0% | 5.5% |
| Net income | $504m | $183m |
| Operating margin | — | — |
| Net margin | 26.9% | 11.4% |
| Return on equity | 29.3% | 39.6% |
| Free cash flow | $990m | $377m |
| Cash | $163m | $409m |
| Total debt | $226m | $101m |
| Debt to equity | 11.5% | 18.3% |
| Dividend per share | $0.68 | $0.77 |
| Dividend yield | 0.3% | 1.6% |
| Share buybacks | $90.0m | $22.4m |
| Employees | 720 | 929 |
| Market value | $8.64bn | $1.34bn |
| Price vs our value range | — | — |
| Moat score | 84 (Strong) | 60 (Moderate) |
| Insider trades, 12 months | 15 buys, 11 sales | 0 buys, 21 sales |