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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.
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.
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