KNSL vs. FICO

Last updated Apr 1, 2026

Compare and contrast key facts about Kinsale Capital Group, Inc. (KNSL) and Fair Isaac Corporation (FICO).

Performance

KNSL vs. FICO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Kinsale Capital Group, Inc. (KNSL) and Fair Isaac Corporation (FICO). The values are adjusted to include any dividend payments, if applicable.

KNSL vs. FICO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
KNSL Kinsale Capital Group, Inc.	-12.59%	-15.78%	39.06%	28.27%	10.17%	19.16%	97.28%	83.67%	24.09%	33.20%
FICO Fair Isaac Corporation	-36.86%	-15.08%	71.04%	94.46%	38.03%	-15.14%	36.39%	100.36%	22.06%	28.52%

Fundamentals

Market Cap KNSL : $7.91B FICO : $25.58B
EPS KNSL : $21.67 FICO : $27.15
PE Ratio KNSL : 15.77 FICO : 39.32
PEG Ratio KNSL : 0.42 FICO : 2.09
PS Ratio KNSL : 4.24 FICO : 12.54
Total Revenue (TTM) KNSL : $1.87B FICO : $2.06B
Gross Profit (TTM) KNSL : $862.60M FICO : $1.71B
EBITDA (TTM) KNSL : $644.95M FICO : $1.00B

Returns By Period

In the year-to-date period, KNSL achieves a -12.59% return, which is significantly higher than FICO's -36.86% return.

KNSL

• 1D: 1.48%
• 1M: -12.32%
• YTD: -12.59%
• 6M: -19.57%
• 1Y: -29.67%
• 3Y*: 4.58%
• 5Y*: 15.51%
• 10Y*: —

FICO

• 1D: 1.87%
• 1M: -24.25%
• YTD: -36.86%
• 6M: -28.67%
• 1Y: -42.11%
• 3Y*: 14.96%
• 5Y*: 16.34%
• 10Y*: 25.66%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

KNSL vs. FICO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

KNSL

KNSL Risk / Return Rank: 10
KNSL Sharpe Ratio Rank: 9
KNSL Sortino Ratio Rank: 12
KNSL Omega Ratio Rank: 12
KNSL Calmar Ratio Rank: 11
KNSL Martin Ratio Rank: 6

FICO

FICO Risk / Return Rank: 11
FICO Sharpe Ratio Rank: 9
FICO Sortino Ratio Rank: 11
FICO Omega Ratio Rank: 11
FICO Calmar Ratio Rank: 15
FICO Martin Ratio Rank: 11

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

KNSL vs. FICO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Kinsale Capital Group, Inc. (KNSL) and Fair Isaac Corporation (FICO). 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.

	KNSL	FICO	Difference
Sharpe ratio Return per unit of total volatility	-0.80	-0.81	+0.01
Sortino ratio Return per unit of downside risk	-0.95	-1.02	+0.07
Omega ratio Gain probability vs. loss probability	0.87	0.86	+0.01
Calmar ratio Return relative to maximum drawdown	-0.83	-0.76	-0.07
Martin ratio Return relative to average drawdown	-1.69	-1.48	-0.21
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

KNSL vs. FICO - Sharpe Ratio Comparison

The current KNSL Sharpe Ratio is -0.80, which is comparable to the FICO Sharpe Ratio of -0.81. The chart below compares the historical Sharpe Ratios of KNSL and FICO, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	KNSL	FICO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.80	-0.81	+0.01
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.41	0.42	-0.01
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.69	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.94	0.48	+0.45

Correlation

The correlation between KNSL and FICO is 0.31, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

KNSL vs. FICO - Dividend Comparison

KNSL's dividend yield for the trailing twelve months is around 0.22%, while FICO has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
KNSL Kinsale Capital Group, Inc.	0.22%	0.17%	0.13%	0.17%	0.20%	0.18%	0.18%	0.31%	0.50%	0.53%	0.29%	0.00%
FICO Fair Isaac Corporation	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.07%	0.08%

Drawdowns

KNSL vs. FICO - Drawdown Comparison

The maximum KNSL drawdown since its inception was -40.22%, smaller than the maximum FICO drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for KNSL and FICO.

Drawdown Indicators

	KNSL	FICO	Difference
Max Drawdown Largest peak-to-trough decline	-40.22%	-79.26%	+39.04%
Max Drawdown (1Y) Largest decline over 1 year	-34.84%	-54.90%	+20.06%
Max Drawdown (5Y) Largest decline over 5 years	-40.22%	-58.24%	+18.02%
Max Drawdown (10Y) Largest decline over 10 years	—	-58.24%	—
Current Drawdown Current decline from peak	-37.45%	-55.19%	+17.74%
Average Drawdown Average peak-to-trough decline	-11.33%	-17.82%	+6.49%
Ulcer Index Depth and duration of drawdowns from previous peaks	17.14%	28.31%	-11.17%

Volatility

KNSL vs. FICO - Volatility Comparison

The current volatility for Kinsale Capital Group, Inc. (KNSL) is 9.05%, while Fair Isaac Corporation (FICO) has a volatility of 22.06%. This indicates that KNSL experiences smaller price fluctuations and is considered to be less risky than FICO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	KNSL	FICO	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.05%	22.06%	-13.01%
Volatility (6M) Calculated over the trailing 6-month period	25.73%	38.56%	-12.83%
Volatility (1Y) Calculated over the trailing 1-year period	37.46%	52.35%	-14.89%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	38.30%	39.49%	-1.19%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	38.32%	37.39%	+0.93%

Financials

KNSL vs. FICO - Profitability Comparison

The chart below illustrates the profitability comparison between Kinsale Capital Group, Inc. and Fair Isaac Corporation over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

KNSL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Kinsale Capital Group, Inc. reported a gross profit of 270.07M and revenue of 483.27M. Therefore, the gross margin over that period was 55.9%.

FICO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Fair Isaac Corporation reported a gross profit of 424.70M and revenue of 511.96M. Therefore, the gross margin over that period was 83.0%.

KNSL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Kinsale Capital Group, Inc. reported an operating income of 174.82M and revenue of 483.27M, resulting in an operating margin of 36.2%.

FICO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Fair Isaac Corporation reported an operating income of 234.05M and revenue of 511.96M, resulting in an operating margin of 45.7%.

KNSL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Kinsale Capital Group, Inc. reported a net income of 138.62M and revenue of 483.27M, resulting in a net margin of 28.7%.

FICO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Fair Isaac Corporation reported a net income of 158.37M and revenue of 511.96M, resulting in a net margin of 30.9%.