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Kinsale Capital Group
Kinsale Capital Group (KNSL) investor relations material
Kinsale Capital Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Diluted operating EPS rose 26% year-over-year in Q4 2025; net income and net operating earnings increased 27% and 25% quarter-over-quarter, with Q4 net income at $138.6M ($5.99/diluted share) and net operating earnings at $134.6M ($5.81/diluted share).
Gross written premium grew 1.8% and net written premium 7.1% over Q4 2024; excluding commercial property, gross written premium grew 10.2% for the quarter and 13.3% for the year.
Combined ratio for the quarter was 71.7%, with a full-year operating ROE of 26.4%.
Book value per share increased to $84.66 at year-end from $63.75 a year earlier; float increased 23%.
Diluted EPS increased 28.0% in Q4 and 21.8% for the year, driven by disciplined underwriting and technology-enabled low costs.
Financial highlights
Net investment income increased 24.9% in Q4 year-over-year to $52.3M, and 27.9% for the year to $192.2M.
Float reached $3.1 billion at end of 2024, up from $2.5 billion.
Gross return on investments was 4.4% for the year; new money yields averaged 5% with a 4-year duration.
Underwriting income was $120.6M in Q4 (combined ratio 71.7%) and $389.2M for the year (combined ratio 75.9%).
Book value per share increased 33% since year-end 2024.
Outlook and guidance
Management expects commercial property division growth to stabilize after a few more quarters of competitive pressure.
Excluding commercial property, business growth remains robust, with 13% annual growth and strong margins.
Management expressed confidence in the business model's resilience and ability to deliver long-term value despite competitive market conditions.
Focus remains on underwriting discipline and maintaining a low 20s ROE or better.
Commercial Property GWP decline: competitive response
Reinsurance retention increase: rationale and impact
Investment portfolio duration increase: rationale?
Commercial property division stabilization outlook
AI's impact on underwriting and risk pricing
How Kinsale leverages its expense advantage
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Next Kinsale Capital Group earnings date
Q1 202624 Apr, 2026
Kinsale Capital Group
Next Kinsale Capital Group earnings date
Q1 202624 Apr, 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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