Kinsale Capital Group, Inc. (KNSL)

Kinsale Capital Group, Inc. engages in the provision of property and casualty insurance products in the United States. The company's commercial lines offerings include commercial property, excess casualty, general casualty, small business casualty, construction, allied health, small business property, products liability, entertainment, commercial auto, energy, excess professional, life sciences, inland marine, professional liability, environmental, health care, management liability, public entity, agribusiness casualty and property, aviation, ocean marine, and product recall insurance. Its personal lines offerings also include high value homeowners and personal insurance products. The company 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. Kinsale Capital Group, Inc. was founded in 2009 and is headquartered in Richmond, Virginia.

Ticker: KNSL
Exchange: NYSE
Sector: Financial Services
Industry: Insurance - Property & Casualty
Market cap: $8.64B
52-week range: $287.20 - $421.90

Valuation

Share price: $383.73 (close of Nov 6, 2026)
P/E (TTM): 16.69x
Price to book: 4.50x
Price to free cash flow: 8.88x
Enterprise value: $8.70B
Book value per share: $85.25

Price performance

Period	Change
1 day	-3.29%
5 days	+4.93%
1 month	+14.05%
3 months	+1.96%
6 months	+26.39%
Year to date	-1.89%
1 year	-2.38%
3 years	+12.70%
5 years	+87.77%
10 years	+1,496.21%
All time	+1,991.17%

Short interest

As of: Oct 15, 2026
Short % of float: 10.58%
Shares short: 2.25M
Days to cover: 10.14
Change since prior report: -3.94%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: 25.70%
Return on assets: 8.33%
Net margin: 26.87%
Revenue growth: 18.04%
Net income growth: 21.40%
Free cash flow growth: 3.96%

Cash flow and balance sheet

Free cash flow yield (TTM): 11.26%
Net debt to EBITDA: 0.10x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $1.87B
Net income: $503.61M
Earnings per share: $21.76
Shares outstanding: 23.14M

Income statement by year

Period end	Revenue	Net income	EPS
2025-12-31	$1.87B	$503.61M	$21.76
2024-12-31	$1.59B	$414.84M	$17.92
2023-12-31	$1.22B	$308.09M	$13.37
2022-12-31	$838.80M	$159.11M	$6.97
2021-12-31	$653.47M	$152.66M	$6.73
2020-12-31	$459.89M	$88.42M	$3.96
2019-12-31	$315.89M	$63.32M	$2.94
2018-12-31	$222.11M	$33.79M	$1.60
2017-12-31	$186.78M	$24.90M	$1.19
2016-12-31	$141.62M	$26.17M	$0.98

Margins and returns by year

Period end	Net margin	Return on equity
2025-12-31	26.87%	25.70%
2024-12-31	26.13%	27.96%
2023-12-31	25.16%	28.35%
2022-12-31	18.97%	21.34%
2021-12-31	23.36%	21.83%
2020-12-31	19.23%	15.34%
2019-12-31	20.04%	15.60%
2018-12-31	15.21%	12.80%
2017-12-31	13.33%	10.45%
2016-12-31	18.48%	12.45%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$163.36M	$224.40M
2024-12-31	$113.21M	$184.12M
2023-12-31	$126.69M	$183.85M
2022-12-31	$156.27M	$195.75M
2021-12-31	$121.04M	$42.70M
2020-12-31	$77.09M	$42.57M
2019-12-31	$100.41M	$16.74M
2018-12-31	$75.09M	-
2017-12-31	$81.75M	-
2016-12-31	$50.75M	-

Free cash flow by year

Period end	Free cash flow	Stock-based compensation
2025-12-31	$990.05M	$17.88M
2024-12-31	$952.36M	$14.15M
2023-12-31	$853.23M	$9.36M
2022-12-31	$550.91M	$6.68M
2021-12-31	$401.12M	$4.84M
2020-12-31	$247.10M	$3.58M
2019-12-31	$158.74M	$2.74M
2018-12-31	$102.71M	$1.60M
2017-12-31	$77.22M	$652.00K
2016-12-31	$73.18M	$492.00K

Dividend history

Most recent payment: Aug 28, 2026
Paid in the last twelve months: $0.92

Payment date	Dividend per share
2026-08-28	$0.25
2026-05-28	$0.25
2026-02-26	$0.25
2025-11-28	$0.17
2025-08-29	$0.17
2025-05-29	$0.17
2025-02-27	$0.17
2024-11-29	$0.15

Investor relations

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-10-22	Sep 2026	$4.95
2026-07-23	Jun 2026	$5.10
2026-04-23	Mar 2026	$4.70
2026-02-12	Dec 2025	$5.30
2025-10-23	Sep 2025	$4.79
2025-07-24	Jun 2025	$4.41
2025-04-24	Mar 2025	$3.15
2025-02-13	Dec 2024	$4.34

Filings and sources

Company website: kinsalecapitalgroup.com
SEC filings: 10-K, 10-Q and 8-K on EDGAR
Earnings calendar: All upcoming reports

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