Kinsale Capital
NYSE: KNSL
Stock price
348.31 USD
(+105.2%) 5 years
Financial Performance
5Y price score: 161
against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index,
while a score above 100 means it outperformed the S&P 500.
10Y return: 1,820.5%
US$ Per
Share
Earnings per share
Free cash flow per share
Stock price
By default your notes are visible only to you.
321.9
52-week range
512.7
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Valuation
Free Cash Flow Yield
12.2 %
Dividend Yield TTM
0.2 %
Market cap $
$ 8,064.5
Price / Earnings TTM
16.1
Price / Book TTM
4.1
PEG TTM
0.7
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
(27) %
106.9 %
1,820.5 %
Free cash flow per share growth
4.3 %
293.7 %
1,037.4 %
Earnings per share growth
21.8 %
459.4 %
1,942.5 %
Founded: 2,009
Employees: 561
Business Summary:
all figures in USD Millions except per share data
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Latest Earnings Call Takeaways
2025 Q4 (Feb 13, 2026)
1) Financial Performance Highlights
- Diluted operating earnings per share increased by 26% YoY, reaching $5.81.
- Gross written premiums grew by 1.8%, while net written premiums rose by 7.1% YoY.
- Combined ratio for Q4 was 71.7%, benefiting from 4 points of favorable prior-year loss reserve development.
- Full-year operating return on equity (ROE) stood at 26%.
- Book value per share increased by 33% since year-end 2024.
2) Market Dynamics and Competitive Landscape
- The E&S market remains competitive, with varying growth rates across segments.
- The Commercial Property division, which focuses on larger catastrophe-exposed accounts, is experiencing a decline, impacting overall growth.
- Excluding Commercial Property, gross written premium growth was 10.2% for the quarter and 13.3% for the year.
- New business submissions grew by 6%, with half of the divisions seeing double-digit growth.
3) Operational Strategies and Innovations
- Kinsale continues to leverage a low-cost business model with an expense ratio under 21%, compared to competitors often above 30%.
- The company is actively integrating AI into operations, enhancing productivity and underwriting efficiency.
- A focus on technology and analytics is seen as a core competency, with ongoing investments in data science and custom-built operating systems.
4) Capital Management and Shareholder Returns
- Kinsale announced a $250 million buyback authorization and increased its quarterly dividend to $0.25 from $0.17.
- The company maintains a conservative capital level well above regulatory requirements, allowing for continued shareholder returns.
- The growth in float reached $3.1 billion, up from $2.5 billion YoY, indicating strong operational cash flows.
5) Guidance and Future Outlook
- The company expects continued competitive pressures in the Commercial Property division, with stabilization anticipated in the coming quarters.
- Management remains confident in the ability to generate strong returns despite market challenges, emphasizing disciplined underwriting practices.
- Further details on segment performance and growth strategies will be published in the upcoming K-1 filing.
Bottom line: Kinsale Capital Group, Inc. is navigating a competitive landscape with strong financial metrics and a disciplined approach to underwriting, while leveraging technology and maintaining robust shareholder returns. The outlook remains cautiously optimistic, particularly outside the Commercial Property segment, with a focus on sustainable growth and operational efficiency.
Kinsale Capital — Financial Overview, Stock Price, Market Cap
Kinsale Capital is a company. Founded in 2009. As of April 13, 2026, the company's market capitalization is $8064456261 with a current stock price of $348.31.