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Kinsale Capital Group, Inc.

Kinsale Capital Group, Inc.

NYSE•KNSL
CEO: Mr. Michael Patrick Kehoe J.D.
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 2016-07-28
Kinsale Capital Group, Inc., a specialty insurance company, engages in the provision of property and casualty insurance products in the United States. The company's commercial lines offerings include commercial property, small business casualty and property, excess and general casualty, construction, allied health, life sciences, entertainment, energy, environmental, excess professional, health care, public entity, commercial auto, inland marine, aviation, ocean marine, product recall, and railroad, as well as product, professional, and management liability insurance. It markets and sells its insurance products in all 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the U.S. Virgin Islands primarily through a network of independent insurance brokers. The company was founded in 2009 and is headquartered in Richmond, Virginia.
Contact Information
2035 Maywill Street, Suite 100, Richmond, VA, 23230, United States
804-289-1300
www.kinsalecapitalgroup.com
Market Cap
$9.20B
P/E (TTM)
19.3
12.8
Dividend Yield
0.2%
52W High
$512.76
52W Low
$349.00
52W Range
28%
Rank22Top 5.9%
6.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Strong • 6.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$497.51M+19.00%
4-Quarter Trend

EPS

$6.12+24.14%
4-Quarter Trend

FCF

$289.54M+7.96%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Rises 19.4% Nine months net income reached $365.0M, up 19.4% from $305.7M last year, driven by profitable growth.
Underwriting Income Strong Underwriting income grew 17.8% to $268.6M for nine months, supported by favorable prior year loss development.
Premium Growth Solid Net earned premiums increased 17.1% to $1.16B for nine months, reflecting strong gross written premium growth.
Q3 Net Income Jumps Third quarter net income was $141.6M, a 24.0% increase from $114.2M in the prior year period.

Risk Factors

Loss Reserve Adequacy Risk Possibility that current loss reserves may prove inadequate, materially affecting financial condition and cash flows.
Model Uncertainty Impact Inherent uncertainty in loss models could result in actual losses differing materially from current estimates.
Reinsurance Availability Concerns Inability to secure necessary reinsurance coverage at reasonable prices and terms could adversely affect operations.
Severe Weather Exposure Severe weather, catastrophes, and climate change events pose risks to business results and financial condition.

Outlook

New HQ Completion Expected Construction of new corporate headquarters is expected to be completed in the fourth quarter of 2025.
Sufficient Liquidity Maintained Management confirms sufficient liquidity to meet operating needs and committed capital expenditures for next 12 months.
New Incentive Plan Adopted 2025 Incentive Plan replaced the 2016 plan, authorizing grants for officers, employees, and directors.
Debt Covenants Compliant Company confirmed compliance with all financial covenants under Note Purchase Agreement and Credit Facility as of 9/30/2025.

Peer Comparison

Revenue (TTM)

The Progressive CorporationPGR
$85.18B
+18.4%
The Allstate CorporationALL
$66.57B
+6.6%
Chubb LimitedCB
$58.70B
+6.4%

Gross Margin (Latest Quarter)

Horace Mann Educators CorporationHMN
100.0%
+0.0pp
White Mountains Insurance Group, Ltd.WTM
47.5%
-47.7pp
The Travelers Companies, Inc.TRV
47.1%
+20.9pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PGR$133.98B12.535.0%5.7%
CB$125.82B13.114.3%6.4%
TRV$65.97B11.120.1%6.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
6.5%
Steady Growth
4Q Net Income CAGR
9.1%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 12, 2026
|
EPS:$5.24
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 23, 2025|
    Revenue: $497.51M+19.0%
    |
    EPS: $6.12+24.1%
    Beat
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 24, 2025|
    Revenue: $469.81M+22.6%
    |
    EPS: $5.79+44.8%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 24, 2025|
    Revenue: $423.40M+13.6%
    |
    EPS: $3.85-10.0%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 21, 2025|
    Revenue: $1.59B+29.7%
    |
    EPS: $17.92+34.0%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 24, 2024|
    Revenue: $418.06M+33.0%
    |
    EPS: $4.93+49.4%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Jul 25, 2024|
    Revenue: $383.34M+29.6%
    |
    EPS: $4.00+26.6%
    Meet
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Apr 25, 2024|
    Revenue: $372.79M+41.7%
    |
    EPS: $4.28+76.1%
    Beat
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 23, 2024|
    Revenue: $1.22B+49.5%
    |
    EPS: $13.37+91.8%
    Beat