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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 Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Progressive as the more attractively valued of the two: Kinsale Capital Group trades at $374 versus a fair value of $284 (-24%), while Progressive trades at $215 versus $253 (+17%).
Kinsale Capital Group
KNSL · USD · Financials
-24%
upside to fair value
overvalued
Price$374
Fair Value$284
Quality70/100
Progressive
PGR · USD · Financials
+17%
upside to fair value
undervalued
Price$215
Fair Value$253
Quality65/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Kinsale Capital GroupProgressive
Valuation
14.9×P/E (TTM)11.7×
4.07×P/S (TTM)1.50×
3.98×P/B4.43×
11.5×EV/EBITDA9.3×
1.09×PEG35.19×
0.2%Dividend yield0.2%
$0.76Dividend per share$0.40
Profitability
27%Net margin13%
31%Operating margin16%
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%
Balance & size
0.09×Debt / equity0.23×
$8BMarket cap$134B
healthyGrowth qualitymixed

Kinsale Capital Group leads: 9 to 5 metric wins.

Dash = 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 58
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
88
MomentumPrice trend over the last 3–12 months (market factor)
39
48
52W MomentumDistance to the 52-week high (market factor)
27
41
Net IssuanceBuybacks instead of dilution
82
81

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Kinsale Capital Group

Dividend Discount$11.17
Multiples$201
Asset-Based$56.93
Economic Profit$232

6 of 6 models see the stock below the current price.

Progressive

Multiples$163
Asset-Based$34.90
Economic Profit$211

3 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Kinsale Capital Group
Bear $213Fair Value $284Bull $355
$374 = current price (white tick)
Progressive
Bear $189Fair Value $253Bull $316
$215 = current price (white tick)

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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-24% · below median

Progressive · Financials

Quality score65 · Top 25%
Fair value upside+17% · above median

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Progressive as the more attractively valued of the two: Kinsale Capital Group trades at $374 versus a fair value of $284 (-24%), while Progressive trades at $215 versus $253 (+17%).

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

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.