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STOCK COMPARISON

Kinsale Capital Group vs Progressive: Fair Value & Quality

Both stocks run through our valuation models. Here is how Kinsale Capital Group (KNSL) and Progressive (PGR) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Kinsale Capital Group trades at $339 versus a fair value of $198 (-42%), while Progressive trades at $203 versus $160 (-21%).
Kinsale Capital Group
KNSL · USD · Financials
-42%
upside to fair value
overvalued
Price$339
Fair Value$198
Quality70/100
Progressive
PGR · USD · Financials
-21%
upside to fair value
overvalued
Price$203
Fair Value$160
Quality65/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Kinsale Capital GroupProgressive
Valuation
15.0×P/E (TTM)10.3×
4.12×P/S (TTM)1.50×
4.03×P/B4.43×
11.6×EV/EBITDA9.3×
1.09×PEG35.19×
−41.7%Fair value upside−21.1%
0.2%Dividend yield0.2%
$0.76Dividend per share$0.40
Profitability
31%Operating margin16%
1.55×EBIT margin trend (5Y)0.96×
30%Return on equity38%
7%Return on assets8%
Growth
10%Revenue growth (YoY)9%
30.7%Avg. growth/yr (3Y)20.9%
32.4%Avg. growth/yr (5Y)15.5%
+41.3%Value creation/yr+33.4%
Balance & size
59.6×Interest coverage (EBIT/interest)51.2×
0.09×Debt / equity0.23×
$8BMarket cap$134B
healthyGrowth qualitymixed

Kinsale Capital Group leads: 10 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Kinsale Capital Groupof which business quality 69 · market factors 43 Progressiveof which business quality 64 · market factors 48
ProfitabilityMargins and returns on capital today
58
61
Quality GrowthAre margins and returns improving?
66
64
CashflowEarnings quality: real cash, not paper profit
100
81
Fin. StrengthBalance sheet, leverage, solvency risk
61
54
InvestmentDisciplined investing over empire-building
32
37
Low VolatilityCalm price path (market factor)
62
87
MomentumPrice trend over the last 3–12 months (market factor)
44
36
52W MomentumDistance to the 52-week high (market factor)
19
26
Net IssuanceShare count: buybacks or dilution?
82
81

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyKinsale Capital GroupPrice $339ProgressivePrice $203
Dividend Discount-97%below the price$11.17n/a
Multiples-41%below the price$201-20%below the price$163
Asset-Based-83%below the price$56.93-83%below the price$34.90
Economic Profit-32%below the price$232+4%close to the price$211
Minimum-97%below the price$11.17-83%below the price$34.90
Maximum-32%below the price$232+4%close to the price$211
Median-62%below the price$129-20%below the price$163
Geometric mean-78%below the price$73.83-48%below the price$106

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Kinsale Capital Group: 6 of 6 models see the stock below the current price.

Progressive: 2 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Kinsale Capital Group
Price $339
Fair Value $198
Bear $148Bull $247
Progressive
Price $203
Fair Value $160
Bear $120Bull $200

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Kinsale Capital Group · Financials

Quality score70 · Top 25%
Fair value upside-42% · bottom 25%

Progressive · Financials

Quality score65 · Top 25%
Fair value upside-21% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Kinsale Capital Group trades at $339 versus a fair value of $198 (-42%), while Progressive trades at $203 versus $160 (-21%).

Kinsale Capital Group has the higher quality score (70/100).

Open Progressive live analysis →

More comparisons

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.