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KNSLKinsale Capital Group, Inc.
$308.85$7.2B
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KNSL logoKinsale Capital Group, Inc.(KNSL)Earnings, Financials & Key Ratios

KNSL•NYSE•Insurance & Managed Care
14.3× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustrySpecialty and excess surplus insurers
AboutKinsale Capital Group, Inc., a specialty insurance company, provides property and casualty insurance products in the United States. The company's commercial lines offerings include construction, small business, excess and general casualty, commercial property, allied health, life sciences, energy, environmental, health care, inland marine, public entity, and commercial insurance, 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.Show more
  • Revenue$1.87B+18.0%
  • Combined Ratio66.15%-2.1%
  • Net Income$504M+21.4%
  • Return on Equity29.25%-9.4%
  • Medical Cost Ratio47.53%-16.8%
  • Operating Margin33.85%+4.4%
  • Net Margin26.87%+2.8%
  • ROA9.54%-0.4%
  • Equity / Assets34.59%+13.9%

KNSL Key Insights

Kinsale Capital Group, Inc. (KNSL) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 66.2% combined ratio
  • ✓Excellent 3Y average ROE of 31.7%
  • ✓Strong 5Y profit CAGR of 41.6%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓10 consecutive years of dividend growth
  • ✓Low loss ratio of 47.5%

✗Weaknesses

  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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KNSL Price & Volume

Kinsale Capital Group, Inc. (KNSL) stock price & volume — 10-year historical chart

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KNSL Growth Metrics

Kinsale Capital Group, Inc. (KNSL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years36.98%
5 Years32.44%
3 Years30.73%
TTM17.04%

Profit CAGR

10 Years36.59%
5 Years41.62%
3 Years46.82%
TTM30.07%

EPS CAGR

10 Years35.21%
5 Years41.11%
3 Years46.54%
TTM2.65%

Return on Capital

10 Years13.03%
5 Years19.15%
3 Years15.95%
Last Year14.22%

KNSL Recent Earnings

Kinsale Capital Group, Inc. (KNSL) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$5.11+8.7%
$4.70
Rev
$403M-0.6%
$406M
Q1 2026
Feb 12, 2026
Metric
Actual
Est
EPS
$5.81+9.6%
$5.30
Rev
$371M-5.6%
$392M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$5.21+8.8%
$4.79
Rev
$498M+6.4%
$468M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$4.78+8.4%
$4.41
Rev
$470M+11.2%
$422M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$5.11vs $4.70+8.7%
$403Mvs $406M-0.6%
Q1 2026Feb 12, 2026
$5.81vs $5.30+9.6%
$371Mvs $392M-5.6%
Q4 2025Oct 23, 2025
$5.21vs $4.79+8.8%
$498Mvs $468M+6.4%
Q3 2025Jul 24, 2025
$4.78vs $4.41+8.4%
$470Mvs $422M+11.2%
Based on last 12 quarters of dataView full earnings history →

KNSL Peer Comparison

Kinsale Capital Group, Inc. (KNSL) competitors in Specialty and excess surplus insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ACGL logoACGLArch Capital Group Ltd.Direct Competitor32.48B91.187.8514.27%22.07%19.02%0.11
RLI logoRLIRLI Corp.Direct Competitor4.88B53.0912.186.33%20.8%22%0.06
JRVR logoJRVRJames River Group Holdings, Ltd.Direct Competitor181.58M3.955-2.83%4.34%4.72%0.49
SKWD logoSKWDSkyward Specialty Insurance Group, Inc.Direct Competitor2.25B50.5612.4223.18%11.82%18.15%0.12
HRTG logoHRTGHeritage Insurance Holdings, Inc.Direct Competitor706.24M23.273.683.71%25.99%43.68%0.20
AIG logoAIGAmerican International Group, Inc.Product Competitor39.72B74.0213.63-1.82%11.86%7.7%0.22
MKL logoMKLMarkel CorporationProduct Competitor23.11B1847.1610.92-0.96%10.7%9.56%0.23
WRB logoWRBW. R. Berkley CorporationProduct Competitor25.16B67.1815.107.82%12.1%18.86%0.29

Compare KNSL vs Peers

Kinsale Capital Group, Inc. (KNSL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ACGL

Most directly comparable listed peer for KNSL.

Scale Benchmark

vs MMC

Larger-name benchmark to compare KNSL against a more recognizable public peer.

Peer Set

Compare Top 5

vs ACGL, RLI, JRVR, SKWD

KNSL Income Statement

Kinsale Capital Group, Inc. (KNSL) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
186.78M222.11M315.89M459.89M653.47M838.8M1.22B1.59B1.87B1.92B
Revenue Growth %
31.89%18.92%42.22%45.59%42.09%28.36%45.98%29.65%18.04%17.04%
Medical Costs & Claims
124.88M154.48M205.6M317.58M397.56M551.67M713.94M907.08M890.69M742.72M
Medical Cost Ratio %
66.86%69.55%65.09%69.06%60.84%65.77%58.31%57.14%47.53%38.74%
Gross Profit
61.89M▲ 0%
67.64M▲ 9.3%
110.29M▲ 63.1%
142.31M▲ 29.0%
255.91M▲ 79.8%
287.13M▲ 12.2%
510.51M▲ 77.8%
680.44M▲ 33.3%
983.3M▲ 44.5%
707.86M▲ 0%
Gross Margin %
33.14%30.45%34.91%30.94%39.16%34.23%41.69%42.86%52.47%36.92%
Gross Profit Growth %
-4.05%9.28%63.06%29.03%79.83%12.2%77.8%33.29%44.51%-
Operating Expenses
23.37M27.16M34.24M41.89M67.11M91.57M126.5M165.73M348.99M185.87M
OpEx / Revenue %
12.51%12.23%10.84%9.11%10.27%10.92%10.33%10.44%18.62%9.69%
Depreciation & Amortization
515K631K682K1.57M2.31M2.72M3.27M5.8M5.83M5.83M
Combined Ratio %
79.38%81.78%75.92%78.17%71.11%76.69%68.64%67.58%66.15%48.43%
Operating Income
38.52M▲ 0%
40.48M▲ 5.1%
76.05M▲ 87.9%
100.41M▲ 32.0%
188.8M▲ 88.0%
195.56M▲ 3.6%
384.02M▲ 96.4%
514.72M▲ 34.0%
634.3M▲ 23.2%
521.99M▲ 0%
Operating Margin %
20.62%18.22%24.08%21.83%28.89%23.31%31.36%32.42%33.85%27.23%
Operating Income Growth %
-2.57%5.09%87.87%32.03%88.02%3.58%96.36%34.03%23.23%-
EBITDA
39.04M41.11M76.73M101.99M191.11M198.28M387.29M520.52M640.14M532.95M
EBITDA Margin %
20.9%18.51%24.29%22.18%29.25%23.64%31.63%32.79%34.16%27.8%
Interest Expense
000168K994K4.28M10.3M10.13M10.65M11.28M
Non-Operating Income
000-168K-994K-4.28M-10.3M-10.13M-10.65M-8.11M
Pretax Income
38.52M▲ 0%
40.48M▲ 5.1%
76.05M▲ 87.9%
100.41M▲ 32.0%
188.8M▲ 88.0%
195.56M▲ 3.6%
384.02M▲ 96.4%
514.72M▲ 34.0%
634.3M▲ 23.2%
661.65M▲ 0%
Pretax Margin %
20.62%18.22%24.08%21.83%28.89%23.31%31.36%32.42%33.85%34.51%
Income Tax
13.62M6.69M12.73M11.99M36.14M36.45M75.92M99.87M130.69M134.71M
Effective Tax Rate %
35.36%16.53%16.75%11.94%19.14%18.64%19.77%19.4%20.6%20.36%
Net Income
24.9M▲ 0%
33.79M▲ 35.7%
63.32M▲ 87.4%
88.42M▲ 39.6%
152.66M▲ 72.7%
159.11M▲ 4.2%
308.09M▲ 93.6%
414.84M▲ 34.6%
503.61M▲ 21.4%
526.94M▲ 0%
Net Margin %
13.33%15.21%20.04%19.23%23.36%18.97%25.16%26.13%26.87%27.48%
Net Income Growth %
-4.84%35.69%87.4%39.65%72.65%4.23%93.63%34.65%21.4%30.07%
EPS (Diluted)
1.16▲ 0%
1.56▲ 34.5%
2.86▲ 83.3%
3.87▲ 35.3%
6.62▲ 71.1%
6.88▲ 3.9%
13.22▲ 92.2%
17.78▲ 34.5%
21.65▲ 21.8%
-▲ 0%
EPS Growth %
-6.45%34.48%83.33%35.31%71.06%3.93%92.15%34.49%21.77%2.65%
EPS (Basic)
1.191.602.943.966.736.9713.3717.9221.76-
Diluted Shares Outstanding
21.5M21.68M22.14M22.85M23.06M23.13M23.31M23.33M23.26M0

KNSL Balance Sheet

Kinsale Capital Group, Inc. (KNSL) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
667.85M773.06M1.09B1.55B2.03B2.75B3.77B4.89B5.67B6.22B
Asset Growth %
8.7%15.75%41.07%41.85%30.95%35.62%37.34%29.52%15.95%84.82%
Total Investment Assets
958.65M1.08B807.83M1.21B1.56B2.03B2.97B3.95B5.03B4M
Long-Term Investments
479.32M567.96M807.83M1.21B172.61M228.86M249.6M3.94B5.03B12.08B
Short-Term Investments
479.32M510.25M729.53M1.08B1.39B1.8B2.72B1.81B3.86M4.4B
Total Current Assets
580.86M667.3M001.75B0517.74M0287.95M4.75B
Cash & Equivalents
81.75M75.09M100.41M77.09M121.04M156.27M126.69M113.21M163.36M223.26M
Receivables
19.79M81.04M107.06M141.86M193.97M326.21M391.05M477.92M124.59M1.32B
Other Current Assets
0923K-953.12M-1.33B7.66M-2.33B-52.52M-2.45B-3.86M0
Goodwill & Intangibles
3.54M3.54M3.54M3.54M45.51M65.13M3.54M112.8M3.54M138.57M
Goodwill
0000000000
Intangible Assets
3.54M3.54M0045.51M65.13M3.54M112.8M3.54M3.54M
PP&E (Net)
-2.49M-7.18M22.63M46.19M49.3M53.48M63.4M82.92M00
Other Assets
-395.87M-465.74M-834M-1.26B9.83M-347.46M3.33B-4.14B305.26M0
Total Liabilities
429.66M509.08M684.67M970.66M1.33B2B2.69B3.4B3.71B4.25B
Total Debt
0016.74M42.57M85.39M195.75M183.85M184.12M224.4M0
Net Debt
-81.75M-75.09M-83.66M-34.52M-35.65M39.47M57.15M70.91M61.04M-223.26M
Long-Term Debt
000042.7M195.75M183.85M184.12M224.4M0
Short-Term Debt
0016.74M42.57M42.7M0011M51M0
Total Current Liabilities
9.74M11.65M001.31B01.49B0815.89M0
Accounts Payable
9.74M11.65M19.52M26.32M39.36M63.38M92.5M99.12M100.69M0
Deferred Revenue
0000347.73M0701.35M0815.89M0
Other Current Liabilities
-9.74M-11.65M-36.26M-68.89M881.34M-63.38M698.77M-110.12M-151.69M0
Deferred Taxes
1000K1000K01000K1000K1000K01000K1000K61.17M
Other Liabilities
000-4.65M1.11B1.54B737.94M2.83B2.6B0
Total Equity
238.19M▲ 0%
263.99M▲ 10.8%
405.88M▲ 53.8%
576.24M▲ 42.0%
699.34M▲ 21.4%
745.45M▲ 6.6%
1.09B▲ 45.8%
1.48B▲ 36.5%
1.96B▲ 32.1%
1.97B▲ 0%
Equity Growth %
13.31%10.83%53.75%41.97%21.36%6.59%45.8%36.5%32.09%123.37%
Shareholders Equity
238.19M263.99M405.88M576.24M699.34M745.45M1.09B1.48B1.96B1.97B
Minority Interest
0000000000
Retained Earnings
73.5M106.55M162.91M243.31M385.94M533.12M828.25M1.23B1.72B1.82B
Common Stock
210K212K222K228K228K231K232K233K234K235K
Accumulated OCI
9.39M-1.26M13.52M41.38M18.13M-134.92M-94.62M-97.21M-30.69M-65.61M
Return on Equity (ROE)
11.11%13.46%18.9%18.01%23.94%22.03%33.63%32.28%29.25%28.05%
Return on Assets (ROA)
3.88%4.69%6.79%6.7%8.55%6.67%9.45%9.58%9.54%9.06%
Equity / Assets
35.67%34.15%37.22%37.25%34.52%27.14%28.81%30.36%34.59%31.65%
Debt / Equity
--0.04x0.07x0.12x0.26x0.17x0.12x0.11x0.00x
Book Value per Share
11.0812.1718.3425.2230.3232.2446.6363.5884.25-
Tangible BV per Share
10.9212.0118.3425.2228.3529.4246.4858.7584.10-

KNSL Cash Flow Statement

Kinsale Capital Group, Inc. (KNSL) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
77.4M103.98M178.36M279.97M407.04M557.82M859.84M976.3M1.04B1.06B
Operating CF Growth %
4.96%34.34%71.53%56.97%45.39%37.04%54.14%13.55%6.91%28.87%
Operating CF / Revenue %
41.44%46.81%56.46%60.88%62.29%66.5%70.22%61.5%55.7%55.43%
Net Income
24.9M33.79M63.32M88.42M152.66M159.11M308.09M414.84M503.61M526.94M
Depreciation & Amortization
515K631K682K1.57M2.31M2.72M3.27M5.8M5.83M5.83M
Stock-Based Compensation
652K1.6M2.74M3.58M4.84M6.68M9.36M14.15M17.88M17.88M
Deferred Taxes
1.06M-3.23M-125K616K-576K-14.19M-9.43M-3.83M343K343K
Other Non-Cash Items
-151K6.27M-12.75M-20.39M-25.64M26.9M-21.13M-50.72M-63.22M422.6M
Working Capital Changes
50.42M64.92M124.49M206.18M273.45M376.6M569.67M596.06M579.29M0
Cash from Investing
-42.43M-106.54M-230.79M-379.43M-351.95M-708.57M-860.89M-960.13M-922.21M-855.68M
Capital Expenditures
-179K-1.27M-19.62M-32.88M-5.92M-6.9M-6.61M-23.94M-53.69M-49.1M
Acquisitions
0000000000
Purchase of Investments
-143.19M-207.65M-336.09M-567.55M-679.79M-803.55M-1.4B-1.71B-2.49B-2.41B
Sale/Maturity of Investments
100.94M102.38M124.92M215.92M333.75M178.5M489.45M778.15M0-263.24M
Other Investing
0005.08M0-76.62M59.92M-312K1.63B1.87B
Cash from Financing
-3.97M-4.1M77.75M76.14M-11.14M185.99M-28.52M-29.66M-71.38M-125.91M
Dividends Paid
-5.04M-5.91M-6.93M-8.07M-10.02M-11.93M-12.95M-13.94M-15.78M-17.6M
Share Repurchases
00-617K-1.8M-2.1M-3.29M-4.28M-17.05M-90M-142.53M
Stock Issued
00000000681K202K
Debt Issuance (Net)
-9K01000K1000K01000K-1000K01000K2M
Other Financing
1.08M1.81M68M60.32M982K46.21M713K1.33M-6.28M-68.48M
Net Change in Cash
31M▲ 0%
-6.66M▼ 121.5%
25.32M▲ 480.3%
-23.32M▼ 192.1%
43.95M▲ 288.5%
35.23M▼ 19.8%
-29.58M▼ 184.0%
-13.48M▲ 54.4%
50.15M▲ 472.0%
81.24M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
50.75M81.75M75.09M100.41M77.09M121.04M156.27M126.69M113.21M163.36M
Cash at End
81.75M75.09M100.41M77.09M121.04M156.27M126.69M113.21M163.36M223.26M
Free Cash Flow
77.22M▲ 0%
102.71M▲ 33.0%
158.74M▲ 54.6%
247.1M▲ 55.7%
401.12M▲ 62.3%
550.91M▲ 37.3%
853.23M▲ 54.9%
952.36M▲ 11.6%
990.05M▲ 4.0%
1.01B▲ 0%
FCF Growth %
5.53%33.01%54.55%55.67%62.33%37.34%54.87%11.62%3.96%5.25%
FCF Margin %
41.34%46.24%50.25%53.73%61.38%65.68%69.68%59.99%52.83%52.87%
FCF per Share
3.594.747.1710.8117.3923.8236.6140.8242.57-

KNSL Key Ratios

Kinsale Capital Group, Inc. (KNSL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
79.38%81.78%75.92%78.17%71.11%76.69%68.64%67.58%66.15%48.43%
Medical Cost Ratio
66.86%69.55%65.09%69.06%60.84%65.77%58.31%57.14%47.53%38.74%
Return on Equity (ROE)
11.11%13.46%18.9%18.01%23.94%22.03%33.63%32.28%29.25%28.05%
Return on Assets (ROA)
3.88%4.69%6.79%6.7%8.55%6.67%9.45%9.58%9.54%9.06%
Equity / Assets
35.67%34.15%37.22%37.25%34.52%27.14%28.81%30.36%34.59%31.65%
Book Value / Share
11.0812.1718.3425.2230.3232.2446.6363.5884.25-
Debt / Equity
--0.04x0.07x0.12x0.26x0.17x0.12x0.11x0.00x
Revenue Growth
31.89%18.92%42.22%45.59%42.09%28.36%45.98%29.65%18.04%17.04%
Related:KNSL Dividend History·KNSL Revenue History·KNSL Price History·KNSL P/E History·KNSL Financial Ratios·KNSL Institutional Holders

KNSL SEC Filings & Documents

Kinsale Capital Group, Inc. (KNSL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Feb 12, 2026·SEC

Material company update

Feb 4, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 23, 2026·SEC

FY 2025

Oct 23, 2025·SEC

FY 2025

Jul 24, 2025·SEC

KNSL Frequently Asked Questions

Kinsale Capital Group, Inc. (KNSL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Kinsale Capital Group, Inc. (KNSL) grew revenue by 18.0% over the past year. This is strong growth.

Yes, Kinsale Capital Group, Inc. (KNSL) is profitable, generating $526.9M in net income for fiscal year 2025 (26.9% net margin).

Dividend & Returns

Yes, Kinsale Capital Group, Inc. (KNSL) pays a dividend with a yield of 0.22%. This makes it attractive for income-focused investors.

Kinsale Capital Group, Inc. (KNSL) has a return on equity (ROE) of 29.3%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Kinsale Capital Group, Inc. (KNSL) has a combined ratio of 66.2%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in KNSL back in 2014?

Total return calculator · dividends reinvested · 12+ years of data

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How much would $100/month in KNSL be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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