Kinsale Capital [KNSL] vs White Mountains [WTM] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Kinsale Capital Group Inc. wins in 6 metrics, White Mountains Insurance Group Ltd. wins in 14 metrics, with 0 ties. White Mountains Insurance Group Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Kinsale Capital Group Inc. | White Mountains Insurance Group Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.08 | 5.27 | White Mountains Insurance Group Ltd. |
| Price-to-Book Ratio | 4.11 | 1.02 | White Mountains Insurance Group Ltd. |
| Debt-to-Equity Ratio | 11.45 | 14.28 | Kinsale Capital Group Inc. |
| PEG Ratio | 0.58 | -0.01 | Kinsale Capital Group Inc. |
| EV/EBITDA | 12.46 | 3.24 | White Mountains Insurance Group Ltd. |
| Profit Margin (TTM) | 26.87% | 29.62% | White Mountains Insurance Group Ltd. |
| Operating Margin (TTM) | 36.79% | 64.32% | White Mountains Insurance Group Ltd. |
| EBITDA Margin (TTM) | 36.79% | 64.32% | White Mountains Insurance Group Ltd. |
| Return on Equity | 29.25% | 21.11% | Kinsale Capital Group Inc. |
| Return on Assets (TTM) | 7.38% | 8.94% | White Mountains Insurance Group Ltd. |
| Free Cash Flow (TTM) | $990.05M | $550.50M | Kinsale Capital Group Inc. |
| Dividend Yield | 0.20% | 0.05% | Kinsale Capital Group Inc. |
| 1-Year Return | -34.35% | 13.44% | White Mountains Insurance Group Ltd. |
| Price-to-Sales Ratio (TTM) | 4.30 | 1.50 | White Mountains Insurance Group Ltd. |
| Enterprise Value | $8.11B | $5.18B | Kinsale Capital Group Inc. |
| EV/Revenue Ratio | 4.33 | 1.39 | White Mountains Insurance Group Ltd. |
| Revenue per Share (TTM) | $81 | $1,474 | White Mountains Insurance Group Ltd. |
| Earnings per Share (Diluted) | $21.63 | $430.24 | White Mountains Insurance Group Ltd. |
| Beta (Stock Volatility) | 1.08 | 0.35 | White Mountains Insurance Group Ltd. |
| Short % of Float | 10.06% | 3.42% | White Mountains Insurance Group Ltd. |
Kinsale Capital Group Inc. vs White Mountains Insurance Group Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Kinsale Capital Group Inc. | 0.14% | 4.27% | 0.17% | -13.05% | -20.49% | -20.54% |
| White Mountains Insurance Group Ltd. | 0.33% | 0.34% | -4.97% | -7.69% | -1.81% | -0.55% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Kinsale Capital Group Inc. | -34.35% | -12.42% | 98.95% | 1,604.32% | 1,604.32% | 1,604.32% |
| White Mountains Insurance Group Ltd. | 13.44% | 47.20% | 81.53% | 144.12% | 409.44% | 313.92% |
Performance & Financial Health Analysis: Kinsale Capital Group Inc. vs White Mountains Insurance Group Ltd.
| Metric | KNSL | WTM |
|---|---|---|
| Market Information | ||
| Market Cap | $7.99B | $5.66B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 242,362 | 14,645 |
| 90 Day Avg. Volume | 250,144 | 17,218 |
| Last Close | $311.83 | $2,030.64 |
| 52 Week Range | $287.20 - $512.76 | $1,648.00 - $2,333.00 |
| % from 52W High | -39.19% | -12.96% |
| All-Time High | $548.47 (Mar 04, 2024) | $2,333.00 (Apr 17, 2026) |
| % from All-Time High | -43.15% | -12.96% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.17% | 3.48% |
| Quarterly Earnings Growth | 0.27% | 1.11% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.30% |
| Operating Margin (TTM) | 0.37% | 0.64% |
| Return on Equity (TTM) | 0.29% | 0.21% |
| Debt to Equity (MRQ) | 11.45 | 14.28 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $84.66 | $2,217.38 |
| Cash per Share (MRQ) | $7.22 | $848.10 |
| Operating Cash Flow (TTM) | $1.04B | $550.50M |
| Levered Free Cash Flow (TTM) | $961.23M | $1.29B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.20% | 0.05% |
| Last 12-Month Dividend | $0.76 | $1.00 |
Valuation & Enterprise Metrics Analysis: Kinsale Capital Group Inc. vs White Mountains Insurance Group Ltd.
| Metric | KNSL (Apr 26, 2026) | WTM (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.08 | 5.27 |
| Forward P/E | 15.74 | 25.21 |
| PEG Ratio | 0.58 | -0.01 |
| Price to Sales (TTM) | 4.30 | 1.50 |
| Price to Book (MRQ) | 4.11 | 1.02 |
| Market Capitalization | ||
| Market Capitalization | $7.99B | $5.66B |
| Enterprise Value | $8.11B | $5.18B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.33 | 1.39 |
| Enterprise to EBITDA | 12.46 | 3.24 |
| Risk & Other Metrics | ||
| Beta | 1.08 | 0.35 |
| Book Value per Share (MRQ) | $84.66 | $2,217.38 |
Financial Statements Comparison: Kinsale Capital Group Inc. vs White Mountains Insurance Group Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | KNSL (2025) | WTM (2025) |
|---|---|---|
| Revenue/Sales | 1.87B | 2.89B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 634.30M | 1.33B |
| Pre-Tax Income % of Revenue | 33.8% | 46.0% |
| Income Tax | 130.69M | 126.90M |
| Income Tax % of Revenue | 7.0% | 4.4% |
| Net Income (Profit) | 503.61M | 1.20B |
| Profit Margin | 26.9% | 41.6% |
Balance Sheet & Liquidity Metrics
| Metric | KNSL (2025) | WTM (2025) |
|---|---|---|
| Cash & Equivalents | 163.36M | 184.90M |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 173.40M | 837.00M |
| Long-Term Debt % of Revenue | 9.3% | 29.0% |
| Total Shareholders Equity | 1.96B | 6.26B |
| Retained Earnings | 1.72B | 4.85B |
| Retained Earnings % of Revenue | 91.6% | 167.9% |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison
| Metric | KNSL (2025) | WTM (2025) |
|---|---|---|
| Operating Cash Flow | 466.20M | 1.21B |
| Operating Cash Flow % of Revenue | 24.9% | 41.9% |
| Capital Expenditures | -53.69M | N/A |
| Free Cash Flow | 990.05M | 550.50M |
| FCF Margin | 52.8% | 19.1% |
| Debt Repayment | 0 | -17.50M |
| Common Stock Repurchase | -90.00M | -202.60M |
Short Interest & Institutional Ownership Analysis
| Metric | KNSL | WTM |
|---|---|---|
| Shares Short | 2.19M | 82,241 |
| Short Ratio | 9.28 | 4.24 |
| Short % of Float | 10.06% | 3.42% |
| Shares Outstanding | 23.15M | 2.48M |
| Float Shares | 21.89M | 2.36M |
| % Held by Insiders | 5.48% | 3.05% |
| % Held by Institutions | 92.10% | 94.25% |
| % Held by Public | 2.42% | 2.70% |
Dividend Analysis & Yield Comparison: Kinsale Capital Group Inc. vs White Mountains Insurance Group Ltd.
| Metric | KNSL | WTM |
|---|---|---|
| Last 12-Month Dividend | $0.76 | $1.00 |
| Last 12-Month Dividend Yield | 0.20% | 0.05% |
| 3-Year Avg Annual Dividend | $0.65 | $1.00 |
| 3-Year Avg Dividend Yield | 0.04% | 0.05% |
| 3-Year Total Dividends | $1.95 | $3.00 |
| Ex-Dividend Date | Feb 26, 2026 | Mar 16, 2026 |