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

Updated on August 24, 2025

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

Company Profile

Symbol	KNSL	MA
Company Name	Kinsale Capital Group, Inc.	Mastercard Incorporated
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Financial Services
Market Capitalization	10.91 billion USD	535.79 billion USD
Exchange	NYSE	NYSE
Listing Date	July 28, 2016	May 25, 2006
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of KNSL and MA 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.

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

Historical Performance at a Glance

Symbol	KNSL	MA
5-Day Price Return	3.20%	1.53%
13-Week Price Return	-0.85%	1.07%
26-Week Price Return	-3.88%	4.66%
52-Week Price Return	-3.74%	26.92%
Month-to-Date Return	6.24%	4.63%
Year-to-Date Return	0.66%	12.55%
10-Day Avg. Volume	0.20M	2.49M
3-Month Avg. Volume	0.21M	2.71M
3-Month Volatility	26.36%	21.60%
Beta	1.13	0.99

Profitability

Return on Equity (TTM)

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.

MA

191.02%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

MA’s Return on Equity of 191.02% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

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

Net Profit Margin (TTM)

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.

MA

44.93%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

A Net Profit Margin of 44.93% places MA in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

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

Operating Profit Margin (TTM)

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.

MA

55.78%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

An Operating Profit Margin of 55.78% places MA in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

Symbol	KNSL	MA
Return on Equity (TTM)	28.71%	191.02%
Return on Assets (TTM)	8.76%	27.84%
Net Profit Margin (TTM)	26.78%	44.93%
Operating Profit Margin (TTM)	31.08%	55.78%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

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.

MA

1.16

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

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

KNSL vs. MA: A comparison of their Current Ratio (MRQ) against their respective Insurance and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

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.

MA

2.42

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

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

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

Interest Coverage Ratio (TTM)

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.

MA

37.93

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

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

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

Financial Strength at a Glance

Symbol	KNSL	MA
Current Ratio (MRQ)	--	1.16
Quick Ratio (MRQ)	--	1.16
Debt-to-Equity Ratio (MRQ)	0.11	2.42
Interest Coverage Ratio (TTM)	7.11	37.93

Growth

Revenue Growth

KNSL vs. MA: 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

KNSL vs. MA: 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)

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.

MA

0.49%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

MA’s Dividend Yield of 0.49% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

KNSL vs. MA: A comparison of their Dividend Yield (TTM) against their respective Insurance and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

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.

MA

19.15%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

MA’s Dividend Payout Ratio of 19.15% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	KNSL	MA
Dividend Yield (TTM)	0.13%	0.49%
Dividend Payout Ratio (TTM)	3.36%	19.15%

Valuation

Price-to-Earnings Ratio (TTM)

KNSL

24.36

Insurance Industry

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

A P/E Ratio of 24.36 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.

MA

39.22

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

A P/E Ratio of 39.22 places MA in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

KNSL

6.52

Insurance Industry

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

With a P/S Ratio of 6.52, 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.

MA

17.62

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

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

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

Price-to-Book Ratio (MRQ)

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.

MA

64.98

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

At 64.98, MA’s P/B Ratio is at an extreme premium to the Financial Services 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 vs. MA: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	KNSL	MA
Price-to-Earnings Ratio (TTM)	24.36	39.22
Price-to-Sales Ratio (TTM)	6.52	17.62
Price-to-Book Ratio (MRQ)	6.55	64.98
Price-to-Free Cash Flow Ratio (TTM)	11.43	33.58