KNSL vs. FICO
KNSL (Kinsale Capital Group, Inc.) and FICO (Fair Isaac Corporation) are both stocks. KNSL operates in Insurance - Property & Casualty (Financial Services), while FICO operates in Software - Application (Technology). Over the past 10 years, KNSL returned 34.79%/yr vs 24.21%/yr for FICO. Their 0.31 correlation means their historical movements had little consistent relationship.
Performance
KNSL vs. FICO - Performance Comparison
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Returns By Period
In the year-to-date period, KNSL achieves a -8.74% return, which is significantly higher than FICO's -33.58% return. Over the past 10 years, KNSL has outperformed FICO with an annualized return of 34.79%, while FICO has yielded a comparatively lower 24.21% annualized return.
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%
FICO
- 1D
- -1.45%
- 1M
- -11.63%
- 6M
- -23.25%
- YTD
- -33.58%
- 1Y
- -18.69%
- 3Y*
- 10.62%
- 5Y*
- 16.47%
- 10Y*
- 24.21%
- ALL TIME*
- 20.11%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $482.91M | $385.62M | $388.77M | |
| $132.97M | $112.33M | $108.65M |
KNSL vs. FICO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
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% |
FICO Fair Isaac Corporation | -33.58% | -15.08% | 71.04% | 94.46% | 38.03% | -15.14% | 36.39% | 100.36% | 22.06% | 28.52% |
Correlation
The correlation between KNSL and FICO is 0.26, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.26 |
Correlation (3Y) Balances recent behavior with more history. | 0.28 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.29 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.32 |
Correlation (All Time) Calculated using the full available price history since Jul 28, 2016 | 0.31 |
Fundamentals
KNSL:
$8.12B
FICO:
$24.25B
KNSL:
$24.65
FICO:
$34.47
KNSL:
14.46
FICO:
32.58
KNSL:
0.38
FICO:
1.73
KNSL:
4.12
FICO:
11.09
KNSL:
$2.00B
FICO:
$2.39B
KNSL:
$681.47M
FICO:
$2.04B
KNSL:
$507.91M
FICO:
$1.25B
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Return for Risk
KNSL vs. FICO — Risk / Return Rank
KNSL
FICO
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.
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.
| KNSL | FICO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.13 | ||
| Sortino ratioReturn per unit of downside risk | -0.31 | ||
| Omega ratioGain probability vs. loss probability | 0.93 | 0.96 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | -0.48 | -0.43 | -0.05 |
| Martin ratioReturn relative to average drawdown | -0.83 | -0.81 | -0.02 |
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Drawdowns
KNSL vs. FICO - Drawdown Comparison
The maximum KNSL drawdown since its inception was -46.83%, 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.
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Drawdown Indicators
| KNSL | FICO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.83% | -79.26% | +32.43% |
Max Drawdown (1Y)Largest decline over 1 year | -39.30% | -50.93% | +11.63% |
Max Drawdown (3Y)Largest decline over 3 years | -46.83% | -61.28% | +14.45% |
Max Drawdown (5Y)Largest decline over 5 years | -46.83% | -61.28% | +14.45% |
Max Drawdown (10Y)Largest decline over 10 years | -46.83% | -61.28% | +14.45% |
Current DrawdownCurrent decline from peak | -34.69% | -52.86% | +18.17% |
Average DrawdownAverage peak-to-trough decline | -12.28% | -18.15% | +5.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 22.83% | 27.05% | -4.22% |
Volatility
KNSL vs. FICO - Volatility Comparison
The current volatility for Kinsale Capital Group, Inc. (KNSL) is 14.29%, while Fair Isaac Corporation (FICO) has a volatility of 22.66%. 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.
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Volatility by Period
| KNSL | FICO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 14.29% | 22.66% | -8.37% |
Volatility (6M)Calculated over the trailing 6-month period | 27.17% | 44.32% | -17.15% |
Volatility (1Y)Calculated over the trailing 1-year period | 35.34% | 53.50% | -18.16% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 38.87% | 41.84% | -2.97% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 38.35% | 38.52% | -0.17% |
Dividends
KNSL vs. FICO - Dividend Comparison
KNSL's dividend yield for the trailing twelve months is around 0.24%, while FICO has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
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
KNSL vs. FICO - Financials Comparison
This section allows you to compare key financial metrics between Kinsale Capital Group, Inc. and Fair Isaac Corporation. 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
KNSL vs. FICO - Profitability Comparison
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%.
FICO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Fair Isaac Corporation reported a gross profit of 587.17M and revenue of 674.19M. Therefore, the gross margin over that period was 87.1%.
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%.
FICO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Fair Isaac Corporation reported an operating income of 362.63M and revenue of 674.19M, resulting in an operating margin of 53.8%.
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%.
FICO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Fair Isaac Corporation reported a net income of 237.17M and revenue of 674.19M, resulting in a net margin of 35.2%.
Frequently Asked Questions
KNSL and FICO have a correlation of 0.26, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FICO has higher volatility (22.66%) compared to KNSL (14.29%). In terms of maximum drawdown, KNSL dropped -46.83% vs FICO's -79.26%.
FICO currently has the higher Sharpe Ratio (-0.41 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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