KNSL
Kinsale Capital·NYSE
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KNSL fundamentals
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).
EPS
Actual | 0.76 | 0.84 | 0.42 | 1.14 | 1.11 | 1.28 | 1.59 | 1.76 | 1.63 | 1.92 | 1.64 | 2.6 | 2.44 | 2.88 | 3.31 | 3.87 | 4.11 | 3.75 | 4.2 | 4.62 | 3.71 | 4.78 | 5.21 | 5.81 | ||||||||||
Forecast | 0.6352 | 0.6844 | 0.7388 | 0.787 | 0.8147 | 1.0764 | 0.9856 | 1.3926 | 1.514 | 1.6208 | 1.3027 | 2.1457 | 2.2042 | 2.4771 | 2.8379 | 3.4331 | 3.3434 | 3.5241 | 3.6231 | 4.4126 | 3.2328 | 4.4053 | 4.8152 | 5.272 | ||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +19.65% | +22.74% | -43.15% | +44.85% | +36.25% | +18.91% | +61.32% | +26.38% | +7.66% | +18.46% | +25.89% | +21.17% | +10.70% | +16.26% | +16.64% | +12.73% | +22.93% | +6.41% | +15.92% | +4.70% | +14.76% | +8.51% | +8.20% | +10.20% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 124.04M | 134.09M | 144.78M | 149.91M | 168.88M | 194.06M | 197.62M | 203.82M | 245.51M | 277.00M | 284.11M | 295.47M | 357.59M | 438.22M | 377.79M | 306.28M | 351.05M | 430.24M | 349.94M | 346.12M | 381.70M | 458.70M | 405.06M | 370.55M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 108.31M | 108.98M | 120.74M | 139.89M | 151.50M | 163.90M | 189.80M | 196.39M | 212.80M | 248.41M | 252.30M | 264.97M | 304.33M | 364.97M | 362.43M | 367.98M | 366.45M | 410.20M | 359.43M | 357.06M | 396.87M | 424.20M | 381.46M | 392.42M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +14.51% | +23.04% | +19.91% | +7.16% | +11.47% | +18.41% | +4.12% | +3.78% | +15.37% | +11.51% | +12.61% | +11.51% | +17.50% | +20.07% | +4.24% | -16.77% | -4.20% | +4.89% | -2.64% | -3.06% | -3.82% | +8.13% | +6.19% | -5.57% |
Earnings Call
You can ask Aime
What is Kinsale Capital's gross profit margin?What were the key takeaways from Kinsale Capital’s earnings call?Did Kinsale Capital beat or miss consensus estimates last quarter?What guidance did Kinsale Capital's management provide for the next earnings period?What factors drove the changes in Kinsale Capital's revenue and profit?What is the revenue and EPS growth rate for Kinsale Capital year over year?What is the market's earnings forecast for Kinsale Capital next quarter?What does Kinsale Capital do and what are its main business segments?
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