The earnings call highlighted strong financial performance with significant growth in operating earnings and investment income. However, the company faces challenges in the competitive E&S market, particularly in the Commercial Property division, which experienced a notable decline in premiums. While there are positive developments such as product expansion and favorable reinsurance terms, the balance between highlights and lowlights suggests a cautious outlook.

Company Guidance -

Q3 2025

During Kinsale Capital Group's Second Quarter 2025 Earnings Conference Call, management provided several key performance metrics and forward-looking statements. Operating earnings per share increased by 27.5%, and gross written premium grew by 4.9% compared to the same period in 2024. The combined ratio for the quarter was 75.8%, and the 6-month operating return on equity stood at 24.7%. Kinsale's book value per share rose by 16% since the end of 2024. Despite competitive pressures, particularly in the Commercial Property division where premiums dropped by 16.8%, the company managed a 14.3% premium growth excluding this segment. Kinsale renewed its reinsurance program, improving terms with a $3 million retention on the casualty treaty and a 60% retention on the property quota share contract. The company continues to hold a strong financial position, with net income and net operating earnings increasing by 44.9% and 27.4%, respectively. Net investment income grew by 29.6% over the previous year, and the annualized gross return was 4.3% for the first half of the year. Diluted operating earnings per share improved to $4.78, up from $3.75 in the second quarter of 2024.

Operating Earnings and Premium Growth

Operating earnings per share increased by 27.5% and gross written premium grew by 4.9% compared to the second quarter of 2024.

Strong Financial Metrics

Combined ratio of 75.8%, a 6-month operating return on equity of 24.7%, and book value per share increased by 16% since year-end 2024.

Investment Income Growth

Net investment income increased by 29.6% in the second quarter over last year.

Reinsurance Program Improvements

Renewed reinsurance program with slightly more favorable terms, including increased ceding commission and retention adjustments.

Product Expansion

Broadened agribusiness vertical to include property coverage and launched a new homeowners product in Texas, Louisiana, Colorado, and California.

Kinsale Capital Group (KNSL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

KNSL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	4.60 / -	4.2	―	―	―
Jul 24, 2025	2025 (Q2)	4.41 / 4.78	3.75	27.47% (+1.03)	―
Apr 24, 2025	2025 (Q1)	3.23 / 3.71	4.11	-9.73% (-0.40)	―
Feb 13, 2025	2024 (Q4)	4.41 / 4.62	3.87	19.38% (+0.75)	―
Oct 24, 2024	2024 (Q3)	3.62 / 4.20	3.31	26.89% (+0.89)	―
Jul 25, 2024	2024 (Q2)	3.52 / 3.75	2.88	30.21% (+0.87)	―
Apr 25, 2024	2024 (Q1)	3.34 / 4.11	2.44	68.44% (+1.67)	―
Feb 15, 2024	2023 (Q4)	3.43 / 3.87	2.6	48.85% (+1.27)	―
Oct 26, 2023	2023 (Q3)	2.84 / 3.31	1.64	101.83% (+1.67)	―
Jul 27, 2023	2023 (Q2)	2.48 / 2.88	1.92	50.00% (+0.96)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

KNSL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$476.52	$477.35	+0.17%
Apr 24, 2025	$501.79	$419.84	-16.33%
Feb 13, 2025	$486.73	$448.99	-7.75%
Oct 24, 2024	$457.93	$433.69	-5.29%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Kinsale Capital Group (KNSL) report earnings?

Kinsale Capital Group (KNSL) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Kinsale Capital Group (KNSL) earnings time?

Kinsale Capital Group (KNSL) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is KNSL EPS forecast?

KNSL EPS forecast for the fiscal quarter 2025 (Q3) is 4.6.

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