The earnings call presented a mix of strong financial performance with notable growth in earnings, book value, and investment income, contrasted by challenges in the competitive market environment, particularly in the Commercial Property division. Despite these challenges, the company seems optimistic about their strategic positioning and future growth prospects.

Company Guidance -

Q3 2025

During Kinsale Capital Group's Second Quarter 2025 Earnings Conference Call, several key metrics were highlighted that underscore the company's financial performance and strategic positioning. Operating earnings per share increased by 27.5%, while gross written premium saw a 4.9% rise compared to the same period in 2024. The company's combined ratio stood at 75.8%, with a robust 6-month operating return on equity of 24.7%. Additionally, Kinsale's book value per share grew by 16% since year-end 2024. In terms of business segments, the Commercial Property division experienced a 16.8% drop in premium due to heightened competition, although excluding this division, the company's overall premium grew by 14.3%. The reinsurance program witnessed changes with increased retention levels and slightly improved ceding commissions. Furthermore, the company reported a net income increase of 44.9%, with net investment income rising by 29.6% in the quarter, reflecting strong operating cash flows and an annualized gross return of 4.3% for the first half of the year. The call emphasized Kinsale's strategic focus on small E&S accounts, data analytics, and cost-efficient operations, which continue to position the company for both profitability and growth across various market environments.

Strong Earnings Growth

Operating earnings per share increased by 27.5%. Net income and net operating earnings increased by 44.9% and 27.4%, respectively.

Improved Combined Ratio

The company posted a combined ratio of 75.8%, with 3.9 points from net favorable prior year loss reserve development.

Book Value Growth

Book value per share increased by 16% since the year-end 2024.

Reinsurance Program Favorability

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

Net Investment Income Increase

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

Low Expense Ratio

Expense ratio decreased to 20.7% from 21.1% last year.

Product Expansion

Broadened agribusiness vertical to include property coverage and launched a new homeowners product in several states.

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)	4.62 / -	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 4.62.

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