Kinsale Capital/$KNSL

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About Kinsale Capital

Kinsale Capital Group Inc is an insurance holding company. The company is engaged in offering property, casualty, and specialty insurance products. It offers specialty insurance products for allied health, healthcare, life sciences, professional, and a public entity. The company operates in only one reportable segment which is the Excess and Surplus Lines Insurance segment, which includes commercial excess and surplus lines liability and property insurance products through its underwriting divisions. The company generates revenues in the form of premiums and investment income.

Ticker

$KNSL
Sector

Primary listing

NYSE

Employees

667

Kinsale Capital Metrics

BasicAdvanced
$10B
23.11
$19.16
1.19
$0.66
0.15%

What the Analysts think about Kinsale Capital

Analyst ratings (Buy, Hold, Sell) for Kinsale Capital stock.

Bulls say / Bears say

Underwriting income climbed to $95.5 million in Q2 2025, lowering the combined ratio to 75.8% from 77.7% a year earlier, reflecting sound underwriting discipline and positive reserve development (Company IR Q2)
Excluding the Commercial Property Division, gross written premiums rose 14.3% in Q2 2025, underlining strong demand and greater diversification across specialty insurance lines (Company IR Q2)
Net investment income rose 29.6% to $46.5 million in Q2 2025, fueled by an expanding investment portfolio supported by robust operating cash flows and conservative, high-quality allocations (Company IR Q2)
Commercial Property Division gross written premiums fell 16.8% in Q2 2025 due to rate declines and increased competition from standard carriers, highlighting mounting pressure on a key business line (Company IR Q2)
The company recorded 3.4 points of net catastrophe losses in the first half of 2025, mainly from the Palisades Fire, demonstrating ongoing volatility in underwriting results due to severe weather events (Company IR Q2)
The expense ratio improved only slightly to 20.7% in Q2 2025 from 21.1% a year earlier, indicating limited progress in operating leverage despite premium growth, which could pressure margin expansion (Company IR Q2)
Data summarised monthly by Lightyear AI. Last updated on 1 Oct 2025.

Kinsale Capital Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Kinsale Capital Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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