Symbols

KNSL

Kinsale Capital·NYSE

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KNSL fundamentals

KNSL Q4 2025 Earnings

Kinsale Capital (KNSL) released its earnings on Feb 12, 2026: revenue was 370.55M (YoY +7.06%), missed estimates; EPS was 5.81 (YoY +25.76%), beat estimates.

Revenue / YoY

370.55M

+7.06%

EPS / YoY

5.81

+25.76%

Report date

Feb 12, 2026

KNSL Earnings Call Summary for Q4,2025

Revenue Resilience: 1.8% Q4 gross premium growth, 7.1% net premium growth, despite commercial property headwinds.
Expense Efficiency: 20.8% expense ratio vs. peers' 30-40%, driving 20.8% ROE.
AI Innovation: Enterprise-wide AI adoption improving productivity and risk pricing, with bots handling daily tasks.
Capital Return: $250M buyback and $0.25/Q dividend, maintaining conservative capital levels.
Market Challenges: Commercial property competition (Amwins Index -2.7%), but 10.2% growth in other divisions.
Growth Opportunities: Casualty lines (commercial auto, excess casualty) and new products (high-value homeowners, agribusiness).

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Key Indicators

Kinsale Capital (KNSL) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Kinsale Capital (KNSL)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Kinsale Capital (KNSL)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

Kinsale Capital (KNSL)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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