BCH vs. KNSL: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at BCH and KNSL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

BCH 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	BCH	KNSL
Company Name	Banco de Chile	Kinsale Capital Group, Inc.
Country	Chile	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Insurance
Market Capitalization	14.97 billion USD	10.53 billion USD
Exchange	NYSE	NYSE
Listing Date	August 2, 2002	July 28, 2016
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BCH 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.

BCH vs. KNSL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BCH	KNSL
5-Day Price Return	2.73%	2.73%
13-Week Price Return	-2.28%	-1.05%
26-Week Price Return	13.14%	-8.63%
52-Week Price Return	26.67%	-2.74%
Month-to-Date Return	3.90%	2.57%
Year-to-Date Return	23.13%	-2.82%
10-Day Avg. Volume	79.51M	0.17M
3-Month Avg. Volume	103.96M	0.21M
3-Month Volatility	16.92%	27.00%
Beta	0.88	1.13

Profitability

Return on Equity (TTM)

BCH

22.69%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

In the upper quartile for the Banks industry, BCH’s Return on Equity of 22.69% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

KNSL

28.71%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

In the upper quartile for the Insurance industry, KNSL’s Return on Equity of 28.71% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

BCH vs. KNSL: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

BCH

34.28%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

BCH’s Net Profit Margin of 34.28% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

KNSL

26.78%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 26.78% places KNSL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

BCH vs. KNSL: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

BCH

43.16%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BCH’s Operating Profit Margin of 43.16% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

KNSL

31.08%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

BCH vs. KNSL: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

Symbol	BCH	KNSL
Return on Equity (TTM)	22.69%	28.71%
Return on Assets (TTM)	2.35%	8.76%
Net Profit Margin (TTM)	34.28%	26.78%
Operating Profit Margin (TTM)	43.16%	31.08%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BCH

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

KNSL

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BCH vs. KNSL: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BCH

2.40

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

KNSL

0.11

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

BCH vs. KNSL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

BCH

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

KNSL

7.11

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

BCH vs. KNSL: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	BCH	KNSL
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	2.40	0.11
Interest Coverage Ratio (TTM)	--	7.11

Growth

Revenue Growth

BCH vs. KNSL: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BCH vs. KNSL: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BCH

7.08%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

With a Dividend Yield of 7.08%, BCH offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

KNSL

0.13%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

KNSL’s Dividend Yield of 0.13% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

BCH vs. KNSL: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

BCH

302.60%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

At 302.60%, BCH’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Banks industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

KNSL

3.36%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

KNSL’s Dividend Payout Ratio of 3.36% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

BCH vs. KNSL: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

Symbol	BCH	KNSL
Dividend Yield (TTM)	7.08%	0.13%
Dividend Payout Ratio (TTM)	302.60%	3.36%

Valuation

Price-to-Earnings Ratio (TTM)

BCH

11.35

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BCH’s P/E Ratio of 11.35 is within the middle range for the Banks 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

23.32

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

A P/E Ratio of 23.32 places KNSL in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

BCH vs. KNSL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

BCH

2.76

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

KNSL

6.25

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

With a P/S Ratio of 6.25, KNSL trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

BCH vs. KNSL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

BCH

2.34

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

At 2.34, BCH’s P/B Ratio is at an extreme premium to the Banks 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.

KNSL

6.55

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

At 6.55, KNSL’s P/B Ratio is at an extreme premium to the Insurance 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.

BCH vs. KNSL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

Symbol	BCH	KNSL
Price-to-Earnings Ratio (TTM)	11.35	23.32
Price-to-Sales Ratio (TTM)	2.76	6.25
Price-to-Book Ratio (MRQ)	2.34	6.55
Price-to-Free Cash Flow Ratio (TTM)	6.07	10.94