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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Kinsale Capital Group (KNSL) investor relations material
Kinsale Capital Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 rose 44.9% year-over-year to $134.1M, driven by higher investment returns and profitable growth.
Operating earnings per share increased 27.5% to $4.78, with record per share net income and disciplined underwriting.
Gross written premiums grew 4.9% to $555.5M, with strong broker submissions offsetting declines in Commercial Property.
Combined ratio improved to 75.8%, with underwriting income up 25.5% to $95.5M.
Book value per share increased 16% since year-end 2024, reaching $73.93 at June 30, 2025.
Financial highlights
Net earned premiums for Q2 2025 increased 15.4% to $383.6M year-over-year.
Net investment income surged 29.6% to $46.5M, reflecting portfolio growth and market gains.
Fee income rose 20.1% to $10.8M; underwriting, acquisition, and insurance expenses increased 13.2% to $81.6M.
Float reached $2.9B at June 30, up from $2.5B at year-end 2024.
Annualized return on equity for Q2 2025 was 32.5%; annualized operating ROE was 24.7% for H1 2025.
Outlook and guidance
Management remains confident in long-term growth and profitability, maintaining a 10–20% growth target over the cycle.
Liquidity and capital resources are sufficient for the next 12 months.
Near-term headwinds expected from heightened competition, especially in commercial property.
No near-term shift expected in the 70/30 casualty/property business mix, but homeowners growth could influence future mix.
Why did Commercial Property Division premiums decline?
Explain the higher effective tax rate in H1 2025.
Discuss the impact of Palisades Fire on loss ratio.
How does Kinsale view MGA competition?
Explain drivers of homeowners growth.
Elaborate on casualty pricing mix.
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Next Kinsale Capital Group earnings date
Q3 202524 Oct, 2025
Next Kinsale Capital Group earnings date
Q3 202524 Oct, 2025
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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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