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
Market Cap
$8.43B
P/E (TTM)
16.6
11.2
Dividend Yield
0.2%
52W High
$512.76
52W Low
$341.06
52W Range
Rank25Top 11.9%
5.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$483.27M+0.00%
4-Quarter Trend
EPS
$6.01+0.00%
4-Quarter Trend
FCF
$230.79M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Earned Premium Growth Net earned premiums reached $1.58B USD, marking a strong 16.7% increase over prior year results.
Underwriting Income Rises Underwriting income grew 19.4% to $389.2M USD, driven by business expansion and favorable reserve development.
Combined Ratio Improves Combined ratio improved 0.5 points to 75.9% for 2025, reflecting better underwriting discipline and results.
Net Income Increased 21.4% Net income totaled $503.6M USD, reflecting strong investment returns alongside core underwriting profitability gains.
Risk Factors
Loss Reserve Adequacy Risk Loss reserves may prove inadequate due to inherent uncertainty, claims inflation, and evolving litigation trends.
Severe Weather Catastrophe Exposure Business faces exposure to severe weather, catastrophes, and climate change impacting property lines and volatility.
Reinsurance Cost Availability Inability to obtain reinsurance coverage at reasonable prices or terms could increase net exposures significantly.
Broker Reliance Concentration Risk Majority of 2025 premiums (60.6%) came from five brokers; relationships may discontinue unexpectedly.
Outlook
Expand E&S Market Share Strategy focuses on expanding E&S market presence, targeting profitable growth through superior broker service systems.
Leverage Technology Efficiencies Continue leveraging proprietary technology platform to drive efficiencies and maintain a competitive low expense ratio.
Maintain Strong Balance Sheet Seek to maintain a conservative balance sheet to preserve confidence of policyholders, regulators, and investors.
Underwriting Profitability Focus Focus remains on achieving underwriting profitability regardless of market cycles by maintaining adequate rate levels.
Peer Comparison
Revenue (TTM)
$79.91B
$66.46B
$59.75B
Gross Margin (Latest Quarter)
100.0%
100.0%
80.8%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CB | $129.47B | 12.7 | 14.7% | 9.0% |
| PGR | $120.21B | 11.9 | 40.0% | 0.0% |
| TRV | $67.47B | 10.6 | 20.6% | 6.4% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.5%
Moderate Growth
4Q Net Income CAGR
15.8%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 22, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data