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Kinsale Capital Group (KNSL)
NYSE:KNSL
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
4.65Last Year’s EPS
3.71Same Quarter Last Year
Moderate Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong profitability, effective capital returns, meaningful technology/AI adoption, and several robust operating metrics (notably EPS growth, a low combined ratio, high ROE, book value growth, and investment income gains). Those positives were tempered by notable pressure and shrinkage in the large Commercial Property division, industry-wide pricing softness in select lines, increased competition from MGAs and London market participants, and some growth deceleration. On balance, the company conveys confidence in its underwriting discipline, expense advantage, and conservative reserving while acknowledging cyclical headwinds in a specific segment.Company Guidance
Strong EPS and Earnings Growth
Diluted operating earnings per share increased ~26% year-over-year to $5.81 (Q4 2025 vs Q4 2024); net income and net operating earnings rose ~27% and ~25%, respectively, quarter-over-quarter.
High Profitability Metrics
Quarter combined ratio of 71.7% and full-year operating return on equity (ROE) of 26%, reflecting strong underwriting and overall profitability.
Resilient Premium and Retention Dynamics (Excluding Commercial Property)
Gross written premium grew 1.8% and net written premium grew 7.1% for the quarter; excluding the Commercial Property division, GWP growth was 10.2% for the quarter and 13.3% for the year.
Balance Sheet and Capital Strength
Book value per share increased ~33% year-to-date; company float increased ~23% (to about $3.1B from ~$2.5B); company maintains capital well above regulatory and rating agency requirements.
Investment Income and Yield Improvement
Net investment income rose ~24.9% in Q4 year-over-year; gross portfolio return ~4.4% for the year with new-money yields averaging ~5% and an average fixed-maturity duration of ~4 years.
Operating Efficiency and Expense Advantage
Full-year expense ratio ~20.8% (versus 20.6% prior year) and management emphasizes a durable expense advantage versus competitors (company cited expense ratio under ~21% vs many peers in the mid-30s); the 'other underwriting expense' metric improved ~0.5 percentage points to 10.5% year-over-year.
Technology and AI Adoption
Company highlighted technology as a core competency, proprietary operating system, expanded analytics and AI usage company-wide (enterprise AI licenses for employees, bots/agents driving productivity and improved pricing/segmentation).
Shareholder Returns Increased
Announced $250M buyback authorization (to be deployed over ~the next year) and raised the quarterly dividend to $0.25 from $0.17 (an increase of ~47%).
New Business and Product Growth
New business submission growth (excluding unsolicited submissions) up ~6% for the quarter and up ~9% excluding Commercial Property; multiple lines (casualty, small business property, high-value homeowners, inland marine, agribusiness) showed meaningful growth and product expansion plans (e.g., homeowners, manufactured homes).
KNSL Earnings History
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 |
|---|---|---|---|
Feb 12, 2026 | $400.73 | $371.07 | -7.40% |
Oct 23, 2025 | $452.64 | $421.91 | -6.79% |
Jul 24, 2025 | $475.81 | $476.64 | +0.17% |
Apr 24, 2025 | $501.04 | $419.21 | -16.33% |
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 Apr 23, 2026, After Close (Confirmed).
What is Kinsale Capital Group (KNSL) earnings time?
Kinsale Capital Group (KNSL) earnings time is at Apr 23, 2026, 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 2026 (Q1) is 4.65.