Kinsale Capital Group, Inc.(KNSL)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Kinsale Capital Group, Inc. (KNSL) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores KNSL at 77.3/100 on a 32-signal composite quality model, placing it at rank #69 of 2,960 stocks — the top 5% of the AI-ranked universe. KNSL scores in the top quartile across free cash flow (95.0), profitability (89.3), balance sheet strength (84.4). Based on the latest XBRL financial filings (Q2 2026), Kinsale Capital Group, Inc. reports quarterly revenue of $548.5M, net income of $175.9M, an operating margin of 40.1%. Top institutional holders of KNSL by reported 13-F value include BAMCO, BlackRock, Capital World Investors, based on the most recent SEC filings. KNSL trades on the NYSE exchange and files with the SEC under CIK 1669162. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate KNSL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Kinsale Capital Group, Inc. directly from SEC EDGAR.
AI Quality Score
77.3/100
AI Rank
#69
Revenue
$548.5M
Net Income
$175.9M
Free Cash Flow
$239.1M
Operating Margin
40.1%
KNSL key financials by period
Kinsale Capital Group, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$1.9B
$503.6M
33.9%
FY 2024
10-K
$1.6B
$414.8M
32.4%
FY 2023
10-K
$1.2B
$308.1M
31.4%
FY 2022
10-K
$838.8M
$159.1M
23.3%
FY 2021
10-K
$653.5M
$152.7M
28.9%
FY 2020
10-K
$459.9M
$88.4M
21.8%
Institutions holding KNSL
Institutional investors reporting a position in Kinsale Capital Group, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-23 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose 31.1% to $175.9M on a 75.5% combined ratio and stronger investing results, even as gross written premiums fell 5.0% to $527.6M.
Biggest Revenue Drivers
Net earned premiums$417.6M+8.9% YoY
Continued earning of premium from prior-period growth in gross written premiums and higher net retention levels
Change in the fair value of equity securities$56.2M
Generally consistent with changes in the broader U.S. stock market
Biggest Revenue Drivers
Total revenue: $548.5M
Net earned premiums$417.6M+8.9% YoY
Continued earning of premium from prior-period growth in gross written premiums and higher net retention levels
Change in the fair value of equity securities$56.2M
Generally consistent with changes in the broader U.S. stock market
Net investment income$55.7M+19.9% YoY
Growth in the investment portfolio generated from the investment of strong operating cash flows
Fee income$11.9M+10.6% YoY
Policy fees charged to insureds, impacted primarily by the volume of business written
Net realized investment gains$6.7M
Primarily a result of opportunistic sales of equity securities
Largest Expense Items
Losses and loss adjustment expenses$230.9M+6.2% YoY
Loss ratio fell to 53.8% from 55.1% on a lower current accident year loss ratio and higher favorable prior-year reserve development
Underwriting, acquisition and insurance expenses$93.2M+14.2% YoY
Lower ceding commissions as a result of increased retention on reinsurance treaties
Income tax expense$43.9M+28.6% YoY
Effective rate 20.0% versus 20.3%, below the 21% statutory rate on stock-based compensation and tax-exempt investment income benefits
Interest expense$3.3M+30.0% YoY
Borrowings under the Credit Facility and senior notes; Credit Facility weighted-average rate 5.42%
Margins: Combined ratio improved to 75.5% from 75.8%: the loss ratio fell to 53.8% from 55.1%, offset by the expense ratio rising to 21.7% from 20.7% on lower ceding commissions.
Watch Items from the Filing
Commercial Property, one of the larger divisions, saw gross written premiums fall 32.7% to $89.8M on heightened competition; total gross written premiums declined 5.0% to $527.6M.
Average premium per policy written fell to approximately $12,300 from $14,300, attributed to increased competition, primarily on larger accounts and in Commercial Property.
Expense ratio rose to 21.7% from 20.7% as net retention increased to 85.8% from 82.6%, reducing ceding commissions received.
Prior accident years developed favorably by $19.4M, but adverse development continued in construction liability for the 2017 through 2019 accident years.
Repurchased 321,055 shares for $100.9M in the quarter; a July 2026 authorization brings remaining buyback capacity to $337.5M.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
