Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Kinsale Capital Group, Inc., White Mountains Insurance Group or Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd.

Kinsale Capital Group, Inc. engages in the provision of property and casualty insurance products in the United States. The company’s commercial lines offerings include commercial property, excess casualty, general casualty, small business casualty, construction, allied health, small business property, products liability, entertainment, commercial auto, energy, excess professional, life sciences, inland marine, professional liability, environmental, health care, management liability, public entity, agribusiness casualty and property, aviation, ocean marine, and product recall insurance. Its personal lines offerings also include high value homeowners and personal insurance products. The company sells its insurance products in all 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the U.S. Virgin Islands primarily through a network of independent insurance brokers. Kinsale Capital Group, Inc. was founded in 2009 and is headquartered in Richmond, Virginia.

White Mountains Insurance Group, Ltd. provides insurance services in the United States, the United Kingdom, Bermuda, and internationally. It operates through Ark/WM Outrigger, HG Global, Kudu, Distinguished, and Other Operations segments. The company offers property insurance and reinsurance; specialty insurance and reinsurance consisting of aviation, contingency, cyber, fine art and specie, mortgage, nuclear, political and credit, space, surety, and terrorism and political violence; marine and energy insurance and reinsurance; casualty insurance and reinsurance, such as medical malpractice, and professional and general liability; and accident and health insurance and reinsurance, which includes personal accident, sickness, disability, travel, short-term life, and medical products through brokers, managing general agents (MGA), and reinsurance intermediaries. It also provides municipal bond guarantee reinsurance, which focuses on single risk limits for small-to-medium sized, and public investment grade municipal bonds that are issued to finance public purpose projects, including schools, utilities, and transportation facilities. In addition, the company offers capital solutions for boutique asset and wealth managers for generational ownership transfers, management buyouts, acquisition and growth finance, and legacy partner liquidity; strategic advice; investment management; and specialty electrical contracting services. Further, it operates as a full-service MGA and program administrator for specialty property and casualty insurance for the real estate and hospitality end markets, and start-up programs; and an MGA for leisure travel and global expatriate medical insurance in Israel, the European Union, and Australia. The company was formerly known as Fund American Enterprises Holdings, Inc. and changed its name to White Mountains Insurance Group, Ltd. in 1999. White Mountains Insurance Group, Ltd. was incorporated in 1980 and is headquartered in Hamilton, Bermuda.

Latest Insurance and Kinsale Capital Group, Inc., White Mountains Insurance Group, Ltd. Stock News

As of September 4, 2026, Kinsale Capital Group, Inc. had a $8.5 billion market capitalization, compared to the Insurance median of $7.2 million. Kinsale Capital Group, Inc.’s stock is down 4.6% in 2026, down 2% in the previous five trading days and down 18.83% in the past year.

Currently, Kinsale Capital Group, Inc.’s price-earnings ratio is 15.1. Kinsale Capital Group, Inc.’s trailing 12-month revenue is $2.0 billion with a 28.5% net profit margin. Year-over-year quarterly sales growth most recently was 16.8%. Analysts expect adjusted earnings to reach $21.134 per share for the current fiscal year. Kinsale Capital Group, Inc. currently has a 0.3% dividend yield.

As of September 4, 2026, White Mountains Insurance Group, Ltd. had a $5.0 billion market cap, putting it in the 67th percentile of all stocks. White Mountains Insurance Group, Ltd.’s stock is up 1.2% in 2026, down 1.5% in the previous five trading days and up 16.83% in the past year.

Currently, White Mountains Insurance Group, Ltd.’s price-earnings ratio is 4.7. White Mountains Insurance Group, Ltd.’s trailing 12-month revenue is $3.0 billion with a 37.7% net profit margin. Year-over-year quarterly sales growth most recently was 22.5%. There are no analysts providing consensus earnings estimates for the current fiscal year. White Mountains Insurance Group, Ltd. does not currently pay a dividend.

How We Compare Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd.’s stock grades to see how they measure up against one another.

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Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd. Growth Grades

Company	Ticker	Growth
Kinsale Capital Group, Inc.	KNSL	B
White Mountains Insurance Group, Ltd.	WTM	C

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Kinsale Capital Group, Inc. has a Growth Score of 69, which is Strong. White Mountains Insurance Group, Ltd. has a Growth Score of 59, which is Average.

The Growth Grade Winner: Kinsale Capital Group, Inc.

As you can clearly see from the Growth Grade breakdown above, Kinsale Capital Group, Inc. has a more attractive growth grade than White Mountains Insurance Group, Ltd.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Kinsale Capital Group, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd.’s Momentum Grades

Company	Ticker	Momentum
Kinsale Capital Group, Inc.	KNSL	C
White Mountains Insurance Group, Ltd.	WTM	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Kinsale Capital Group, Inc. has a Momentum Score of 46, which is Average. White Mountains Insurance Group, Ltd. has a Momentum Score of 53, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Kinsale Capital Group, Inc., White Mountains Insurance Group or Ltd. has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Kinsale Capital Group, Inc., White Mountains Insurance Group or Ltd. is the better investment when it comes to momentum.

Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Kinsale Capital Group, Inc.	KNSL	C
White Mountains Insurance Group, Ltd.	WTM	na

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Kinsale Capital Group, Inc. has a Earnings Estimate Score of 59, which is Neutral. White Mountains Insurance Group, Ltd. does not have a meaningful Earnings Estimate Score.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Kinsale Capital Group, Inc., White Mountains Insurance Group or Ltd. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Kinsale Capital Group, Inc., White Mountains Insurance Group or Ltd. is the better investment when it comes to estimate revisions.

Other Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd. Grades

In addition to Growth, Momentum and Estimate Revisions, A+ Investor also provides grades for Value and Quality.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Kinsale Capital Group, Inc., White Mountains Insurance Group or Ltd. Stock?

Overall, Kinsale Capital Group, Inc. stock has a Growth Score of 69, Momentum Score of 46 and Estimate Revisions Score of 59.

White Mountains Insurance Group, Ltd. stock has a Growth Score of 59, Momentum Score of 53 and Estimate Revisions Score of .

Comparing Kinsale Capital Group, Inc., White Mountains Insurance Group and Ltd.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.