AEG vs. KNSL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AEG and KNSL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AEG’s market capitalization stands at 11.53 billion USD, while KNSL’s is 11.10 billion USD, indicating their market valuations are broadly comparable.
With betas of 0.90 for AEG and 1.20 for KNSL, both stocks show similar sensitivity to overall market movements.
AEG trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, KNSL is a standard domestic listing.
| Symbol | AEG | KNSL |
|---|---|---|
| Company Name | Aegon N.V. | Kinsale Capital Group, Inc. |
| Country | NL | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Insurance - Property & Casualty |
| CEO | E. Lard Friese | Michael Patrick Kehoe |
| Price | 7.28 USD | 476.16 USD |
| Market Cap | 11.53 billion USD | 11.10 billion USD |
| Beta | 0.90 | 1.20 |
| Exchange | NYSE | NYSE |
| IPO Date | June 28, 1985 | July 28, 2016 |
| ADR | Yes | No |
Historical Performance
This chart compares the performance of AEG and KNSL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AEG
7.56%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.77%
- Q1
- 7.56%
- Min
- -4.43%
AEG’s Return on Equity of 7.56% is on par with the norm for the Insurance - Diversified industry, indicating its profitability relative to shareholder equity is typical for the sector.
KNSL
28.14%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
In the upper quartile for the Insurance - Property & Casualty industry, KNSL’s Return on Equity of 28.14% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
AEG
14,778.17%
Insurance - Diversified Industry
- Max
- 32.46%
- Q3
- 16.21%
- Median
- 9.46%
- Q1
- 2.09%
- Min
- -10.51%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.
KNSL
10.13%
Insurance - Property & Casualty Industry
- Max
- 21.89%
- Q3
- 10.09%
- Median
- 3.90%
- Q1
- 0.89%
- Min
- -7.26%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Property & Casualty industry.
Net Profit Margin
AEG
2.60%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 19.46%
- Median
- 9.37%
- Q1
- 5.55%
- Min
- -7.05%
Falling into the lower quartile for the Insurance - Diversified industry, AEG’s Net Profit Margin of 2.60% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
KNSL
24.75%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
KNSL’s Net Profit Margin of 24.75% is exceptionally high, placing it well beyond the typical range for the Insurance - Property & Casualty industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
Operating Profit Margin
AEG
25.84%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 14.16%
- Q1
- 6.78%
- Min
- -2.60%
AEG’s Operating Profit Margin of 25.84% is around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.
KNSL
31.70%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
An Operating Profit Margin of 31.70% places KNSL in the upper quartile for the Insurance - Property & Casualty industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | AEG | KNSL |
|---|---|---|
| Return on Equity (TTM) | 7.56% | 28.14% |
| Return on Assets (TTM) | 0.21% | 7.77% |
| Return on Invested Capital (TTM) | 14778.17% | 10.13% |
| Net Profit Margin (TTM) | 2.60% | 24.75% |
| Operating Profit Margin (TTM) | 25.84% | 31.70% |
| Gross Profit Margin (TTM) | 100.00% | 100.07% |
Financial Strength
Current Ratio
AEG
--
Insurance - Diversified Industry
- Max
- 4.41
- Q3
- 4.03
- Median
- 2.86
- Q1
- 2.82
- Min
- 2.82
Current Ratio data for AEG is currently unavailable.
KNSL
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for KNSL is currently unavailable.
Debt-to-Equity Ratio
AEG
0.54
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.27
- Q1
- 0.21
- Min
- 0.13
AEG’s leverage is in the upper quartile of the Insurance - Diversified industry, with a Debt-to-Equity Ratio of 0.54. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
KNSL
--
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
Debt-to-Equity Ratio data for KNSL is currently unavailable.
Interest Coverage Ratio
AEG
1,113.58
Insurance - Diversified Industry
- Max
- 19.23
- Q3
- 17.46
- Median
- 7.97
- Q1
- 4.61
- Min
- -1.63
With an Interest Coverage Ratio of 1,113.58, AEG demonstrates a superior capacity to service its debt, placing it well above the typical range for the Insurance - Diversified industry. This stems from either robust earnings or a conservative debt load.
KNSL
50.62
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
With an Interest Coverage Ratio of 50.62, KNSL demonstrates a superior capacity to service its debt, placing it well above the typical range for the Insurance - Property & Casualty industry. This stems from either robust earnings or a conservative debt load.
Financial Strength at a Glance
| Symbol | AEG | KNSL |
|---|---|---|
| Current Ratio (TTM) | -- | -- |
| Quick Ratio (TTM) | -- | -- |
| Debt-to-Equity Ratio (TTM) | 0.54 | -- |
| Debt-to-Asset Ratio (TTM) | 0.02 | -- |
| Net Debt-to-EBITDA Ratio (TTM) | 0.39 | -0.29 |
| Interest Coverage Ratio (TTM) | 1113.58 | 50.62 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AEG and KNSL. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AEG
5.02%
Insurance - Diversified Industry
- Max
- 8.16%
- Q3
- 5.54%
- Median
- 2.46%
- Q1
- 1.59%
- Min
- 0.00%
AEG’s Dividend Yield of 5.02% is consistent with its peers in the Insurance - Diversified industry, providing a dividend return that is standard for its sector.
KNSL
0.13%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
KNSL’s Dividend Yield of 0.13% is consistent with its peers in the Insurance - Property & Casualty industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio
AEG
101.86%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 53.36%
- Median
- 21.69%
- Q1
- 5.33%
- Min
- 0.00%
AEG’s Dividend Payout Ratio of 101.86% is above 100%. This means the company is paying out more in dividends than it earned, a practice that is often unsustainable and could indicate a risk to future dividend stability.
KNSL
3.56%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
KNSL’s Dividend Payout Ratio of 3.56% is within the typical range for the Insurance - Property & Casualty industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AEG | KNSL |
|---|---|---|
| Dividend Yield (TTM) | 5.02% | 0.13% |
| Dividend Payout Ratio (TTM) | 101.86% | 3.56% |
Valuation
Price-to-Earnings Ratio
AEG
18.09
Insurance - Diversified Industry
- Max
- 18.52
- Q3
- 16.13
- Median
- 13.33
- Q1
- 9.73
- Min
- 2.62
A P/E Ratio of 18.09 places AEG in the upper quartile for the Insurance - Diversified industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
KNSL
27.23
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
A P/E Ratio of 27.23 places KNSL in the upper quartile for the Insurance - Property & Casualty industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Forward P/E to Growth Ratio
AEG
2.03
Insurance - Diversified Industry
- Max
- 2.60
- Q3
- 2.07
- Median
- 1.20
- Q1
- 0.77
- Min
- 0.04
AEG’s Forward PEG Ratio of 2.03 is within the middle range of its peers in the Insurance - Diversified industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
KNSL
1.95
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
A Forward PEG Ratio of 1.95 places KNSL in the upper quartile for the Insurance - Property & Casualty industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
Price-to-Sales Ratio
AEG
0.37
Insurance - Diversified Industry
- Max
- 3.08
- Q3
- 2.00
- Median
- 1.15
- Q1
- 1.07
- Min
- 0.38
AEG’s P/S Ratio of 0.37 falls below the typical floor for the Insurance - Diversified industry. This could suggest the stock is overlooked or deeply undervalued relative to its sales, but may also reflect significant market concerns about its future.
KNSL
6.78
Insurance - Property & Casualty Industry
- Max
- 3.76
- Q3
- 2.39
- Median
- 1.80
- Q1
- 1.01
- Min
- 0.50
The P/S Ratio is often not a primary valuation tool in the Insurance - Property & Casualty industry.
Price-to-Book Ratio
AEG
1.33
Insurance - Diversified Industry
- Max
- 2.12
- Q3
- 1.80
- Median
- 1.59
- Q1
- 1.29
- Min
- 0.74
AEG’s P/B Ratio of 1.33 is within the conventional range for the Insurance - Diversified industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
KNSL
6.97
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
At 6.97, KNSL’s P/B Ratio is at an extreme premium to the Insurance - Property & Casualty industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | AEG | KNSL |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 18.09 | 27.23 |
| Forward PEG Ratio (TTM) | 2.03 | 1.95 |
| Price-to-Sales Ratio (P/S, TTM) | 0.37 | 6.78 |
| Price-to-Book Ratio (P/B, TTM) | 1.33 | 6.97 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 10.76 | 11.52 |
| EV-to-EBITDA (TTM) | 2.84 | 22.24 |
| EV-to-Sales (TTM) | 0.43 | 6.69 |