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Kinsale Capital Group (KNSL) investor relations material
Kinsale Capital Group Investor Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Presentation summary29 Oct, 2025
Business overview and strategy
Focuses exclusively on the U.S. excess and surplus (E&S) insurance market, targeting small accounts and hard-to-place risks.
Maintains strict control over underwriting and claims management, with no delegated authority to third parties.
Leverages proprietary technology for cost efficiency, rapid underwriting, and data-driven decision-making.
Employs an experienced management team with deep industry backgrounds.
Aims for long-term value through exceptional profit and growth, supported by a strong balance sheet.
Market position and performance
Only publicly traded pure-play E&S insurer, with a differentiated, low-cost, technology-driven model.
Achieved 30.3% CAGR in gross written premiums from 2022 to 2024, reaching $1.87 billion in 2024.
Maintains one of the lowest combined ratios among specialty peers, averaging 76.8% from 2022–2024.
Outperformed the S&P 500 with a 49.7% compounded annual gain and 2,893.5% overall gain since IPO in 2016.
Holds a 1.4% share of the $129.8 billion E&S market as of 2024.
Financial highlights
Q3 2025 diluted EPS rose 24.3% to $6.09; operating EPS up 24.0% to $5.21 year-over-year.
Gross written premiums for Q3 2025 increased 8.4% to $486.3 million; net investment income up 25.1%.
Underwriting income for Q3 2025 was $105.7 million, with a combined ratio of 74.9%.
Book value per share reached $80.19 as of September 30, 2025; market capitalization at $9.9 billion.
Operating return on equity remained strong at 25.4% for the nine months ended September 30, 2025.
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Next Kinsale Capital Group earnings date
Q4 202513 Feb, 2026
Next Kinsale Capital Group earnings date
Q4 202513 Feb, 2026
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Frequently asked questions
Kinsale Capital Group Inc. operates as a specialty insurance provider focusing on excess and surplus lines. The company underwrites property, casualty, and specialty risks through a disciplined approach targeting small to medium-sized accounts with unique or hard-to-place exposures. Its services are offered through a network of independent brokers across the United States. The company is headquartered in Richmond, Virginia, and its shares are listed on the NYSE.
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