What is the 13F Pro Quality Score for KNSL?

13F Pro ranks Kinsale Capital Group, Inc. (KNSL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View KNSL's current score at https://13fpro.ai/research/KNSL (free sign-up required for the full ranking).

Which hedge funds own the most KNSL stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of KNSL include BlackRock,, BAMCO /NY/, Capital World Investors. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/KNSL as soon as new 13F filings post.

Where does 13F Pro source KNSL data?

All Kinsale Capital Group, Inc. fundamentals and ownership data come directly from SEC EDGAR. Kinsale Capital Group, Inc. files with the SEC under CIK 1669162. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is KNSL in?

Kinsale Capital Group, Inc. (KNSL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives KNSL's revenue?

Per Kinsale Capital Group, Inc.'s latest 10-Q filed with the SEC on 2026-04-23, the biggest revenue drivers are: Net earned premiums ($406.9M, +11.2% YoY); Net investment income ($55.4M, +26.5% YoY); Fee income ($11.0M, +15.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/KNSL.

What are KNSL's largest expenses?

Kinsale Capital Group, Inc.'s latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses ($235.1M, +0.9% YoY); Underwriting, acquisition and insurance expenses ($88.2M, +17.8% YoY); Interest expense ($3.2M, +24.8% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is KNSL research updated on 13F Pro?

KNSL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Kinsale Capital Group, Inc.(KNSL)Stock Analysis

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13F Pro Quality Score

79.6/100

Rank #51 of 2,879 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

82.4/100

Profitability

87.7/100

Balance Sheet

81.5/100

Earnings Quality

73.3/100

Free Cash Flow

93.3/100

Institutional Flow

71.1/100

Revenue Scale

61.2/100

Dilution Risk

58.1/100

KNSL Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Kinsale Capital Group, Inc. (KNSL), a Financials sector company. 13F Pro's AI-powered ranking engine scores KNSL at 79.6/100 on a 32-signal composite quality model, placing it at rank #51 of 2,879 stocks — the top 5% of the AI-ranked universe. KNSL scores in the top quartile across free cash flow (93.3), profitability (87.7), revenue growth (82.4). Based on the latest XBRL financial filings (Q1 2026), Kinsale Capital Group, Inc. reports quarterly revenue of $466.7M, net income of $112.6M, an operating margin of 29.9%. Top institutional holders of KNSL by reported 13-F value include BlackRock,, BAMCO /NY/, 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. Kinsale Capital Group, Inc.'s 13F Pro composite quality score has ranged between 65 and 84 since 2021, currently 79.6 — an improving long-term trajectory across 30 quarterly and live scoring snapshots.

✦

Fun facts about Kinsale Capital Group, Inc.

Quirks, history, and lore behind KNSL — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. specialty insurance company · listed on the NYSE · headquartered in Virginia · operates in the excess and surplus lines market.
2
The Numbers
A small-to-mid-cap insurer with gross written premiums in the low billions — but its combined ratio consistently sits well below 90%, making most peers look sloppy.
3
The History
Founded in 2009 — right in the rubble of the financial crisis — by an executive who spotted opportunity in hard-to-place specialty risks that standard carriers won't touch.
4
The Secret
Its secret weapon is underwriting discipline: it writes policies for unusual, complex, or high-risk businesses and somehow keeps losses remarkably low and predictable.
5
The Lore
The stock has been a multi-bagger darling among insurance-nerd investors who noticed its loss ratios were almost suspiciously good — and kept getting better.
6
The Giveaway
This Richmond, Virginia E&S specialty insurer shares its name with a county in Ireland and trades under a ticker that rhymes with the word "stencil."

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What's Driving KNSL's Business? Latest 10-Q Breakdown

✓ 31/31 datapoints verified

AI-extracted from Kinsale Capital Group, Inc.'s 10-Q filed 2026-04-23 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income grew 26.1% to $112.6M on 11.2% net earned premium growth and favorable prior-year loss development, with combined ratio improving to 77.4% from 82.1%.

Biggest Revenue Drivers

Total revenue: $466.7M+10.2% YoY

Net earned premiums$406.9M+11.2% YoY

Growth from prior-period gross written premium increases and higher net retention levels (83.7% vs. 78.8%).

Net investment income$55.4M+26.5% YoY

Growth in investment portfolio from strong operating cash flows and higher yields on fixed-maturity securities.

Fee income$11.0M+15.0% YoY

Policy fees charged to insureds, impacted by volume of business written.

Largest Expense Items

Losses and loss adjustment expenses$235.1M+0.9% YoY

Current year incurred losses of $252.2M offset by $18.7M favorable prior-year development, particularly in property lines.

Underwriting, acquisition and insurance expenses$88.2M+17.8% YoY

Higher direct and net commissions due to increased retention on reinsurance treaties and lower ceding commissions.

Interest expense$3.2M+24.8% YoY

Interest on senior notes and revolving credit facility; annual weighted-average rate 5.45%.

Margins: Combined ratio improved to 77.4% from 82.1%, driven by lower catastrophe losses (0.4% vs 6.0% of earned premiums) and $18.7M favorable prior-year development. Expense ratio increased slightly to 21.1% from 20.0% due to lower ceding commissions from higher net retention.

Watch Items from the Filing

Commercial Property Division declined 28.3% ($25.9M) due to heightened competition including from standard carriers, outweighing 6.0% growth in other divisions.
Wrongful death claim against policyholder Venetian Hills ($140M verdict vacated in October 2025; retrial pending). Company has $1.0M policy and asserts exclusions apply; Georgia Supreme Court discretion on further appeal.
Fixed-maturity portfolio duration 4.1 years; 83.0% rated 'A-' or better. Unrealized losses of $106.3M due primarily to interest rate environment, not credit issues.
$250M share repurchase authorization approved December 2025; $187.5M remaining. $62.5M deployed in Q1 2026 at average $378.64 per share.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$466.7M

Net Income

Q1 2026

$112.6M

Free Cash Flow

Q1 2026

$241.3M

Operating Margin

Q1 2026

29.9%

D/E Ratio

Q1 2026

0.11

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+29.7% YoY

$1.59BFY 2024

FY20 $459.9MFY21 $653.5MFY23 $1.22BFY24 $1.59B

Net Income

+34.6% YoY

$414.8MFY 2024

FY20 $88.4MFY21 $152.7MFY23 $308.1MFY24 $414.8M

EPS (Diluted)

+34.5% YoY

$17.78FY 2024

FY20 $3.87FY21 $6.62FY23 $13.22FY24 $17.78

Total Assets

+29.5% YoY

$4.89BFY 2024

FY20 $1.55BFY21 $2.03BFY23 $3.77BFY24 $4.89B

Total Debt

+0.2% YoY

$184.1MFY 2024

FY20 —FY21 $42.7MFY23 $183.8MFY24 $184.1M

Op. Cash Flow

+13.5% YoY

$976.3MFY 2024

FY20 $280.0MFY21 $407.0MFY23 $859.8MFY24 $976.3M

Metric	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$1.59B +29.7%	$1.22B +87.4%	$653.5M +42.1%	$459.9M +45.6%	$315.9M +42.2%	$222.1M
Net Income	$414.8M +34.6%	$308.1M +101.8%	$152.7M +72.7%	$88.4M +39.6%	$63.3M +87.4%	$33.8M
EPS (Diluted)	$17.78 +34.5%	$13.22 +99.7%	$6.62 +71.1%	$3.87 +35.3%	$2.86 +83.3%	$1.56
Total Assets	$4.89B +29.5%	$3.77B +86.3%	$2.03B +30.9%	$1.55B +41.8%	$1.09B +41.1%	$773.1M
Total Debt	$184.1M +0.2%	$183.8M +330.6%	$42.7M	—	—	—
Operating Cash Flow	$976.3M +13.5%	$859.8M +111.2%	$407.0M +45.4%	$280.0M +57.0%	$178.4M +71.5%	$104.0M

AI Insight: KNSL Ratio Trends

Kinsale delivered strong profitability with operating margins above 30% in 7 of 9 periods, though Q1 quarters show consistent seasonal weakness.

• Operating margin averaged 33.0% across the period, with peaks of 36.2% in Q4 2025 and 36.0% in Q3 2025.

• Net profit margin remained consistently strong at 24-29% range throughout, demonstrating stable profitability execution.

• Debt-to-equity ratio improved from 0.15 in Q2 2024 to 0.11 in Q1 2026, showing strengthening capital structure.

⚠ Q1 quarters show recurring weakness with ROE dropping to 22.6% in Q1 2025 and 22.9% in Q1 2026.

⚠ ROIC declined from 35.7% in Q3 2024 to 25.5% in Q1 2026, indicating potential pressure on capital efficiency.

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Available Research

13F Pro tracks comprehensive data for Kinsale Capital Group, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of KNSL

BlackRock, Inc.
$742.9M2,174,344 sh
BAMCO INC /NY/
$692.8M2,027,765 sh
Capital World Investors
$448.0M1,311,315 sh
VANGUARD CAPITAL MANAGEMENT LLC
$337.0M986,403 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$318.2M931,294 sh
STATE STREET CORP
$236.4M691,958 sh
GEODE CAPITAL MANAGEMENT, LLC
$227.8M661,224 sh
FIRST MANHATTAN CO. LLC.
$210.5M616,031 sh
MORGAN STANLEY
$202.4M592,432 sh
Life Cycle Investment Partners Ltd
$192.8M564,311 sh

Fund	Value	Shares
BlackRock, Inc.	$742.9M	2,174,344
BAMCO INC /NY/	$692.8M	2,027,765
Capital World Investors	$448.0M	1,311,315
VANGUARD CAPITAL MANAGEMENT LLC	$337.0M	986,403
VANGUARD PORTFOLIO MANAGEMENT LLC	$318.2M	931,294
STATE STREET CORP	$236.4M	691,958
GEODE CAPITAL MANAGEMENT, LLC	$227.8M	661,224
FIRST MANHATTAN CO. LLC.	$210.5M	616,031
MORGAN STANLEY	$202.4M	592,432
Life Cycle Investment Partners Ltd	$192.8M	564,311

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Is KNSL a good stock to buy?

13F Pro's AI-powered analysis of Kinsale Capital Group, Inc. (KNSL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for KNSL are available on the KNSL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own KNSL?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling KNSL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Kinsale Capital Group, Inc.'s investment landscape.