AFG vs. KNSL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFG and KNSL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
AFG’s market capitalization stands at 10.64 billion USD, while KNSL’s is 11.10 billion USD, indicating their market valuations are broadly comparable.
KNSL carries a higher beta at 1.20, indicating it’s more sensitive to market moves, while AFG (beta: 0.71) exhibits greater stability.
| Symbol | AFG | KNSL |
|---|---|---|
| Company Name | American Financial Group, Inc. | Kinsale Capital Group, Inc. |
| Country | US | US |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| CEO | Stephen Craig Lindner | Michael Patrick Kehoe |
| Price | 127.43 USD | 476.16 USD |
| Market Cap | 10.64 billion USD | 11.10 billion USD |
| Beta | 0.71 | 1.20 |
| Exchange | NYSE | NYSE |
| IPO Date | March 17, 1980 | July 28, 2016 |
| ADR | No | No |
Historical Performance
This chart compares the performance of AFG 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
AFG
17.81%
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, AFG’s Return on Equity of 17.81% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
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
AFG
27.67%
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.
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
AFG
13.06%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
AFG’s Net Profit Margin of 13.06% is aligned with the median group of its peers in the Insurance - Property & Casualty industry. This indicates its ability to convert revenue into profit is typical for the sector.
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
AFG
14.02%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
AFG’s Operating Profit Margin of 14.02% is around the midpoint for the Insurance - Property & Casualty 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 | AFG | KNSL |
|---|---|---|
| Return on Equity (TTM) | 17.81% | 28.14% |
| Return on Assets (TTM) | 2.64% | 7.77% |
| Return on Invested Capital (TTM) | 27.67% | 10.13% |
| Net Profit Margin (TTM) | 13.06% | 24.75% |
| Operating Profit Margin (TTM) | 14.02% | 31.70% |
| Gross Profit Margin (TTM) | 69.59% | 100.07% |
Financial Strength
Current Ratio
AFG
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for AFG 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
AFG
0.34
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
AFG’s Debt-to-Equity Ratio of 0.34 is typical for the Insurance - Property & Casualty industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
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
AFG
11.29
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
AFG’s Interest Coverage Ratio of 11.29 is positioned comfortably within the norm for the Insurance - Property & Casualty industry, indicating a standard and healthy capacity to cover its interest payments.
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 | AFG | KNSL |
|---|---|---|
| Current Ratio (TTM) | -- | -- |
| Quick Ratio (TTM) | -- | -- |
| Debt-to-Equity Ratio (TTM) | 0.34 | -- |
| Debt-to-Asset Ratio (TTM) | 0.05 | -- |
| Net Debt-to-EBITDA Ratio (TTM) | 0.31 | -0.29 |
| Interest Coverage Ratio (TTM) | 11.29 | 50.62 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFG 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
AFG
7.15%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 7.15%, AFG offers a more attractive income stream than most of its peers in the Insurance - Property & Casualty industry, signaling a strong commitment to shareholder returns.
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
AFG
94.24%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
AFG’s Dividend Payout Ratio of 94.24% is in the upper quartile for the Insurance - Property & Casualty industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
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 | AFG | KNSL |
|---|---|---|
| Dividend Yield (TTM) | 7.15% | 0.13% |
| Dividend Payout Ratio (TTM) | 94.24% | 3.56% |
Valuation
Price-to-Earnings Ratio
AFG
13.36
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
AFG’s P/E Ratio of 13.36 is within the middle range for the Insurance - Property & Casualty industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
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
AFG
1.41
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
AFG’s Forward PEG Ratio of 1.41 is within the middle range of its peers in the Insurance - Property & Casualty 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
AFG
1.74
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.
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
AFG
2.43
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
AFG’s P/B Ratio of 2.43 is within the conventional range for the Insurance - Property & Casualty 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 | AFG | KNSL |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 13.36 | 27.23 |
| Forward PEG Ratio (TTM) | 1.41 | 1.95 |
| Price-to-Sales Ratio (P/S, TTM) | 1.74 | 6.78 |
| Price-to-Book Ratio (P/B, TTM) | 2.43 | 6.97 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.47 | 11.52 |
| EV-to-EBITDA (TTM) | 16.68 | 22.24 |
| EV-to-Sales (TTM) | 1.77 | 6.69 |