HCI vs. KNSL
HCI (HCI Group, Inc.) and KNSL (Kinsale Capital Group, Inc.) are both stocks. Both operate in the Insurance - Property & Casualty industry within the Financial Services sector. Over the past 10 years, HCI returned 22.60%/yr vs 34.79%/yr for KNSL. Their 0.28 correlation means their historical movements had little consistent relationship.
Performance
HCI vs. KNSL - Performance Comparison
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Returns By Period
In the year-to-date period, HCI achieves a -8.23% return, which is significantly higher than KNSL's -8.74% return. Over the past 10 years, HCI has underperformed KNSL with an annualized return of 22.60%, while KNSL has yielded a comparatively higher 34.79% annualized return.
HCI
- 1D
- -3.85%
- 1M
- -4.18%
- 6M
- 10.87%
- YTD
- -8.23%
- 1Y
- 27.30%
- 3Y*
- 43.39%
- 5Y*
- 13.87%
- 10Y*
- 22.60%
- ALL TIME*
- 23.36%
KNSL
- 1D
- 0.15%
- 1M
- 0.44%
- 6M
- -9.83%
- YTD
- -8.74%
- 1Y
- -19.63%
- 3Y*
- -1.38%
- 5Y*
- 15.03%
- 10Y*
- 34.79%
- ALL TIME*
- 35.20%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $27.72M | $28.83M | $29.98M | |
| $132.97M | $112.33M | $108.65M |
HCI vs. KNSL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HCI HCI Group, Inc. | -8.23% | 66.27% | 35.46% | 126.76% | -51.20% | 62.74% | 18.45% | -6.80% | 75.98% | -21.53% |
KNSL Kinsale Capital Group, Inc. | -8.74% | -15.78% | 39.06% | 28.27% | 10.17% | 19.16% | 97.28% | 83.67% | 24.09% | 33.20% |
Correlation
The correlation between HCI and KNSL is 0.41, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.41 |
Correlation (3Y) Balances recent behavior with more history. | 0.31 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.30 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.28 |
Correlation (All Time) Calculated using the full available price history since Jul 28, 2016 | 0.28 |
The correlation between HCI and KNSL shifts across timeframes, from 0.28 (all time) to 0.41 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
HCI:
$2.23B
KNSL:
$8.12B
HCI:
$24.40
KNSL:
$24.65
HCI:
7.17
KNSL:
14.46
HCI:
0.01
KNSL:
0.38
HCI:
2.43
KNSL:
4.12
HCI:
2.07
KNSL:
3.99
HCI:
$927.48M
KNSL:
$2.00B
HCI:
$617.14M
KNSL:
$681.47M
HCI:
$459.34M
KNSL:
$507.91M
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Return for Risk
HCI vs. KNSL — Risk / Return Rank
HCI
KNSL
HCI vs. KNSL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for HCI Group, Inc. (HCI) and Kinsale Capital Group, Inc. (KNSL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| HCI | KNSL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.35 | ||
| Sortino ratioReturn per unit of downside risk | +1.90 | ||
| Omega ratioGain probability vs. loss probability | 1.15 | 0.93 | +0.22 |
| Calmar ratioReturn relative to maximum drawdown | 0.96 | -0.48 | +1.44 |
| Martin ratioReturn relative to average drawdown | 1.58 | -0.83 | +2.41 |
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Drawdowns
HCI vs. KNSL - Drawdown Comparison
The maximum HCI drawdown since its inception was -78.79%, which is greater than KNSL's maximum drawdown of -46.83%. Use the drawdown chart below to compare losses from any high point for HCI and KNSL.
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Drawdown Indicators
| HCI | KNSL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -78.79% | -46.83% | -31.96% |
Max Drawdown (1Y)Largest decline over 1 year | -27.46% | -39.30% | +11.84% |
Max Drawdown (3Y)Largest decline over 3 years | -28.30% | -46.83% | +18.53% |
Max Drawdown (5Y)Largest decline over 5 years | -78.79% | -46.83% | -31.96% |
Max Drawdown (10Y)Largest decline over 10 years | -78.79% | -46.83% | -31.96% |
Current DrawdownCurrent decline from peak | -14.57% | -34.69% | +20.12% |
Average DrawdownAverage peak-to-trough decline | -20.62% | -12.28% | -8.34% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 16.65% | 22.83% | -6.18% |
Volatility
HCI vs. KNSL - Volatility Comparison
The current volatility for HCI Group, Inc. (HCI) is 8.16%, while Kinsale Capital Group, Inc. (KNSL) has a volatility of 14.29%. This indicates that HCI experiences smaller price fluctuations and is considered to be less risky than KNSL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HCI | KNSL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.16% | 14.29% | -6.13% |
Volatility (6M)Calculated over the trailing 6-month period | 20.08% | 27.17% | -7.09% |
Volatility (1Y)Calculated over the trailing 1-year period | 32.49% | 35.34% | -2.85% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 43.06% | 38.87% | +4.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.62% | 38.35% | +3.27% |
Dividends
HCI vs. KNSL - Dividend Comparison
HCI's dividend yield for the trailing twelve months is around 0.91%, more than KNSL's 0.24% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HCI HCI Group, Inc. | 0.91% | 0.83% | 1.37% | 1.83% | 4.04% | 1.92% | 3.06% | 3.50% | 2.90% | 4.68% | 3.04% | 3.44% |
KNSL Kinsale Capital Group, Inc. | 0.24% | 0.17% | 0.13% | 0.17% | 0.20% | 0.18% | 0.18% | 0.31% | 0.50% | 0.53% | 0.29% | 0.00% |
Financials
HCI vs. KNSL - Financials Comparison
This section allows you to compare key financial metrics between HCI Group, Inc. and Kinsale Capital Group, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
HCI vs. KNSL - Profitability Comparison
HCI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, HCI Group, Inc. reported a gross profit of 177.28M and revenue of 242.88M. Therefore, the gross margin over that period was 73.0%.
KNSL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Kinsale Capital Group, Inc. reported a gross profit of 0.00 and revenue of 548.52M. Therefore, the gross margin over that period was 0.0%.
HCI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, HCI Group, Inc. reported an operating income of 115.38M and revenue of 242.88M, resulting in an operating margin of 47.5%.
KNSL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Kinsale Capital Group, Inc. reported an operating income of 0.00 and revenue of 548.52M, resulting in an operating margin of 0.0%.
HCI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, HCI Group, Inc. reported a net income of 85.04M and revenue of 242.88M, resulting in a net margin of 35.0%.
KNSL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Kinsale Capital Group, Inc. reported a net income of 175.87M and revenue of 548.52M, resulting in a net margin of 32.1%.
Frequently Asked Questions
HCI and KNSL have a correlation of 0.41, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
KNSL has higher volatility (14.29%) compared to HCI (8.16%). In terms of maximum drawdown, HCI dropped -78.79% vs KNSL's -46.83%.
HCI currently has the higher Sharpe Ratio (0.81 vs -0.54), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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