Key Takeaways KNSL gains from well-performing excess and surplus market, where high retention rates support premium growth. Free cash flow conversion has consistently exceeded 85% in recent quarters, reflecting earnings stability. A proprietary technology platform and data analytics drive operational efficiency and improved expense ratios.Shares of Kinsale Capital Group, Inc. (KNSL) have gained 17.4% in the past year, underperforming its industry and the Finance sector’s growth of 17.5% and 18.2%, respect ...