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

Updated on August 18, 2025

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

Company Profile

KNSL is a standard domestic listing, while WF trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	KNSL	WF
Company Name	Kinsale Capital Group, Inc.	Woori Financial Group Inc.
Country	United States	South Korea
GICS Sector	Financials	Financials
GICS Industry	Insurance	Banks
Market Capitalization	10.53 billion USD	13.57 billion USD
Exchange	NYSE	NYSE
Listing Date	July 28, 2016	October 1, 2003
Security Type	Common Stock	ADR

Historical Performance

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

Historical Performance at a Glance

Symbol	KNSL	WF
5-Day Price Return	2.73%	-0.39%
13-Week Price Return	-1.05%	41.46%
26-Week Price Return	-8.63%	60.42%
52-Week Price Return	-2.74%	5.12%
Month-to-Date Return	2.57%	2.23%
Year-to-Date Return	-2.82%	64.28%
10-Day Avg. Volume	0.17M	1.39M
3-Month Avg. Volume	0.21M	2.22M
3-Month Volatility	27.00%	34.81%
Beta	1.13	1.00

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.

WF

8.53%

Banks Industry

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

WF’s Return on Equity of 8.53% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

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

WF

19.91%

Banks Industry

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

Falling into the lower quartile for the Banks industry, WF’s Net Profit Margin of 19.91% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

WF

26.81%

Banks Industry

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

WF’s Operating Profit Margin of 26.81% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	KNSL	WF
Return on Equity (TTM)	28.71%	8.53%
Return on Assets (TTM)	8.76%	0.55%
Net Profit Margin (TTM)	26.78%	19.91%
Operating Profit Margin (TTM)	31.08%	26.81%
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.

WF

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 vs. WF: A comparison of their Current Ratio (MRQ) against their respective Insurance and Banks 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.

WF

2.44

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

WF

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

Financial Strength at a Glance

Symbol	KNSL	WF
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	0.11	2.44
Interest Coverage Ratio (TTM)	7.11	--

Growth

Revenue Growth

KNSL vs. WF: 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. WF: 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.

WF

4.74%

Banks Industry

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

WF’s Dividend Yield of 4.74% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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

WF

38.83%

Banks Industry

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

WF’s Dividend Payout Ratio of 38.83% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	KNSL	WF
Dividend Yield (TTM)	0.13%	4.74%
Dividend Payout Ratio (TTM)	3.36%	38.83%

Valuation

Price-to-Earnings Ratio (TTM)

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.

WF

6.43

Banks Industry

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

In the lower quartile for the Banks industry, WF’s P/E Ratio of 6.43 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

Price-to-Sales Ratio (TTM)

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.

WF

0.62

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

WF

0.36

Banks Industry

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

WF’s P/B Ratio of 0.36 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

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

Valuation at a Glance

Symbol	KNSL	WF
Price-to-Earnings Ratio (TTM)	23.32	6.43
Price-to-Sales Ratio (TTM)	6.25	0.62
Price-to-Book Ratio (MRQ)	6.55	0.36
Price-to-Free Cash Flow Ratio (TTM)	10.94	10.96