Kinsale Capital Group vs Starwood Property Trust
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KIRAβs take AI analyst
I put Kinsale Capital Group and Starwood Property Trust side by side, using each oneβs latest annual report. Here is what stands out:
- Kinsale Capital Group is the larger business, with $1.9B of revenue in fiscal 2025 against $1.8B for Starwood Property Trust.
- Kinsale Capital Group grew revenue faster (18.0%, against β5.3%).
- Kinsale Capital Group turned more of its sales into free cash flow (52.8% FCF margin, against 5.4%).
- Investors pay more for each dollar of Starwood Property Trustβs earnings: a P/E of 21.2x against 16.1x for Kinsale Capital Group.
Who comes out ahead
Of the 6 measures where higher (or lower) is clearly better, how many each company leads.
Kinsale Capital Group
KNSL
6/6
Revenue growth5-year growthNet marginFCF marginReturn on equityShare count change
Starwood Property Trust
STWD
0/6
Side by side
Best in the row
| Latest fiscal year | KNSL FY25 | STWD FY25 |
|---|---|---|
| Size | ||
| Market cap | $8.3B | $4.6B |
| Revenue | $1.9B | $1.8B |
| Free cash flow | $990M | $99.4M |
| Net income | $504M | $412M |
| Growth | ||
| Revenue growth | 18.0% | β5.3% |
| 5-year growth | 32.4% | 10.2% |
| Share count change | β0.3% | 9.2% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 26.9% | 22.3% |
| FCF margin | 52.8% | 5.4% |
| Return on capital | 28.7% | β |
| Return on equity | 29.3% | 6.2% |
| Balance sheet | ||
| Net debt | $57.2M | β |
| Net debt / EBITDA | 0.1x | β |
| Dividends and buybacks | $106M | $669M |
| Valuation & quality | ||
| P/E | 16.1x | 21.2x |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
KNSL $142M
STWD $785M
FY17
KNSL $187M
STWD $880M
FY18
KNSL $222M
STWD $1.1B
FY19
KNSL $316M
STWD $1.2B
FY20
KNSL $460M
STWD $1.1B
FY21
KNSL $654M
STWD $1.2B
FY22
KNSL $839M
STWD $1.5B
FY23
KNSL $1.2B
STWD $2.0B
FY24
KNSL $1.6B
STWD $1.9B
FY25
KNSL $1.9B
STWD $1.8B
KNSL
STWD
Operating margin
FY16
KNSL β
STWD 17.0%
FY17
KNSL β
STWD 16.4%
FY18
KNSL β
STWD β
FY19
KNSL β
STWD β
FY20
KNSL β
STWD β
FY21
KNSL β
STWD β
FY22
KNSL β
STWD β
FY23
KNSL β
STWD β
FY24
KNSL β
STWD β
FY25
KNSL β
STWD β
KNSL
STWD
Free cash flow
FY16
KNSL $73.2M
STWD $541M
FY17
KNSL $77.2M
STWD β$821M
FY18
KNSL $103M
STWD $531M
FY19
KNSL $159M
STWD β$44.1M
FY20
KNSL $247M
STWD $1.0B
FY21
KNSL $401M
STWD β$1.0B
FY22
KNSL $551M
STWD $189M
FY23
KNSL $853M
STWD $529M
FY24
KNSL $952M
STWD $647M
FY25
KNSL $990M
STWD $99.4M
KNSL
STWD
Return on capital
FY16
KNSL β
STWD β
FY17
KNSL β
STWD β
FY18
KNSL β
STWD β
FY19
KNSL β
STWD β
FY20
KNSL β
STWD β
FY21
KNSL β
STWD β
FY22
KNSL 23.8%
STWD β
FY23
KNSL 33.6%
STWD β
FY24
KNSL 31.5%
STWD β
FY25
KNSL 28.7%
STWD β
KNSL
STWD
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.