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

Updated on August 24, 2025

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

Company Profile

Symbol	KNSL	SOFI
Company Name	Kinsale Capital Group, Inc.	SoFi Technologies, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Consumer Finance
Market Capitalization	10.91 billion USD	26.97 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	July 28, 2016	January 4, 2021
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of KNSL and SOFI 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. SOFI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	KNSL	SOFI
5-Day Price Return	3.20%	-3.31%
13-Week Price Return	-0.85%	64.02%
26-Week Price Return	-3.88%	48.26%
52-Week Price Return	-3.74%	201.88%
Month-to-Date Return	6.24%	-0.27%
Year-to-Date Return	0.66%	46.23%
10-Day Avg. Volume	0.20M	59.93M
3-Month Avg. Volume	0.21M	68.54M
3-Month Volatility	26.36%	46.66%
Beta	1.13	1.97

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.

SOFI

8.58%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

SOFI’s Return on Equity of 8.58% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

KNSL vs. SOFI: A comparison of their Return on Equity (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

-19.79%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

SOFI has a negative Net Profit Margin of -19.79%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

KNSL vs. SOFI: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

-19.92%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

SOFI has a negative Operating Profit Margin of -19.92%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

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

Profitability at a Glance

Symbol	KNSL	SOFI
Return on Equity (TTM)	28.71%	8.58%
Return on Assets (TTM)	8.76%	1.50%
Net Profit Margin (TTM)	26.78%	-19.79%
Operating Profit Margin (TTM)	31.08%	-19.92%
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.

SOFI

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

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

KNSL vs. SOFI: A comparison of their Current Ratio (MRQ) against their respective Insurance and Consumer Finance 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.

SOFI

0.57

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

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

KNSL vs. SOFI: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Consumer Finance 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.

SOFI

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

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

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

Financial Strength at a Glance

Symbol	KNSL	SOFI
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	0.11	0.57
Interest Coverage Ratio (TTM)	7.11	--

Growth

Revenue Growth

KNSL vs. SOFI: 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. SOFI: 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.

SOFI

0.00%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

SOFI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

KNSL vs. SOFI: A comparison of their Dividend Yield (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

0.00%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
Min: 0.00%

SOFI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

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

Dividend at a Glance

Symbol	KNSL	SOFI
Dividend Yield (TTM)	0.13%	0.00%
Dividend Payout Ratio (TTM)	3.36%	0.00%

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.

SOFI

47.53

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

At 47.53, SOFI’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Consumer Finance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

KNSL vs. SOFI: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

3.35

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

SOFI’s P/S Ratio of 3.35 is in the upper echelon for the Consumer Finance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

KNSL vs. SOFI: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Consumer Finance 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.

SOFI

2.93

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

SOFI’s P/B Ratio of 2.93 is in the upper tier for the Consumer Finance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

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

Valuation at a Glance

Symbol	KNSL	SOFI
Price-to-Earnings Ratio (TTM)	24.36	47.53
Price-to-Sales Ratio (TTM)	6.52	3.35
Price-to-Book Ratio (MRQ)	6.55	2.93
Price-to-Free Cash Flow Ratio (TTM)	11.43	37.91