KNSL · Kinsale Capital Group, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $466.71M | - | $497.50M | $469.81M | $423.40M | - | $418.06M | $384.55M | $372.79M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $139.66M | - | $178.88M | $168.29M | $112.31M | - | $144.40M | $115.80M | $115.87M | - |
| Interest Expense | $3.17M | - | $2.57M | $2.56M | $2.54M | - | $2.59M | $2.56M | $2.42M | - |
| Income Tax | $27.11M | - | $37.23M | $34.17M | $23.08M | - | $30.17M | $23.22M | $16.93M | - |
| Net Income | $112.55M | - | $141.65M | $134.12M | $89.23M | - | $114.23M | $92.58M | $98.94M | - |
| EPS - Basic | $4.90 | - | $6.12 | $5.79 | $3.85 | - | $4.93 | $4.00 | $4.28 | - |
| EPS - Diluted | $4.88 | - | $6.09 | $5.76 | $3.83 | - | $4.90 | $3.97 | $4.24 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $163.36M | $163.36M | $170.16M | $138.10M | $142.03M | $113.21M | $111.69M | $171.02M | $126.69M | $126.69M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $6.22B | $6.04B | $5.83B | $5.56B | $5.21B | $4.89B | $4.73B | $4.40B | $4.03B | $3.77B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $224.47M | $224.40M | $199.33M | $184.26M | $184.19M | $184.12M | $184.05M | $183.98M | $183.91M | $183.85M |
| Total Liabilities | $4.25B | $4.08B | $3.97B | $3.83B | $3.63B | $3.40B | $3.30B | $3.14B | $2.86B | $2.69B |
| Stockholders' Equity | $1.97B | $1.96B | $1.87B | $1.72B | $1.58B | $1.48B | $1.43B | $1.26B | $1.17B | $1.09B |
| Retained Earnings | $1.82B | $1.72B | $1.58B | $1.44B | $1.31B | $1.23B | $1.12B | $1.01B | $923.71M | $828.25M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $248.87M | - | - | - | $229.78M | - | - | - | $210.36M | - |
| Investing Cash Flow | ($114.43M) | - | - | - | ($180.96M) | - | - | - | ($192.51M) | - |
| Financing Cash Flow | ($74.53M) | - | - | - | ($20.00M) | - | - | - | ($8.41M) | - |
| CapEx | $7.55M | - | - | - | $12.14M | - | - | - | $3.51M | - |
| Free Cash Flow | $241.32M | - | - | - | $217.64M | - | - | - | $206.85M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 29.9% | - | 36.0% | 35.8% | 26.5% | - | 34.5% | 30.1% | 31.1% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 24.1% | - | 28.5% | 28.5% | 21.1% | - | 27.3% | 24.1% | 26.5% | - |
| Free cash flow margin | 51.7% | - | - | - | 51.4% | - | - | - | 55.5% | - |
| FCF / Net income | 2.14 | - | - | - | 2.44 | - | - | - | 2.09 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 19.4% | - | 20.8% | 20.3% | 20.6% | - | 20.9% | 20.1% | 14.6% | - |
| Return on assets | 1.8% | - | 2.4% | 2.4% | 1.7% | - | 2.4% | 2.1% | 2.5% | - |
| Return on equity | 5.7% | - | 7.6% | 7.8% | 5.6% | - | 8.0% | 7.4% | 8.4% | - |
| Return on invested capital | 5.1% | - | 6.9% | 7.0% | 5.0% | - | 7.1% | 6.4% | 7.3% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.11 | 0.11 | 0.11 | 0.11 | 0.12 | 0.12 | 0.13 | 0.15 | 0.16 | 0.17 |
| Debt / Assets | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 44.1x | - | 69.6x | 65.8x | 44.3x | - | 55.8x | 45.2x | 47.8x | - |
| Equity multiplier | 3.16 | 3.08 | 3.13 | 3.23 | 3.29 | 3.29 | 3.30 | 3.50 | 3.44 | 3.47 |
| Liabilities / Assets | 0.68 | 0.68 | 0.68 | 0.69 | 0.70 | 0.70 | 0.70 | 0.71 | 0.71 | 0.71 |
| Efficiency | ||||||||||
| Asset turnover | 0.08 | - | 0.09 | 0.08 | 0.08 | - | 0.09 | 0.09 | 0.09 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 70.0x | - | 69.8x | 84.0x | 127.1x | - | 95.0x | 97.0x | 123.8x | - |
| P / B | 4.0x | - | 5.3x | 6.5x | 7.2x | - | 7.6x | 7.1x | 10.5x | - |
| P / S | 16.9x | - | 19.9x | 24.0x | 26.8x | - | 26.0x | 23.4x | 32.8x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 10.2% | - | 19.0% | 22.2% | 13.6% | - | 33.0% | 30.0% | 45.1% | - |
| Revenue CAGR (3y) | 22.0% | - | 31.9% | 38.0% | 32.9% | - | 36.4% | 36.0% | 39.2% | - |
| Revenue CAGR (5y) | 27.5% | - | 32.4% | 31.9% | 39.4% | - | 39.8% | 39.6% | 38.9% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 24.4% | - | 23.9% | 45.3% | -3.1% | - | 51.2% | 28.5% | 69.4% | - |
| Net income growth (YoY) | 26.1% | - | 24.0% | 44.9% | -9.8% | - | 50.1% | 27.2% | 77.3% | - |
| EPS growth (YoY) | 27.4% | - | 24.3% | 45.1% | -9.7% | - | 50.3% | 27.2% | 76.7% | - |
| EPS CAGR (3y) | 26.7% | - | 62.1% | 70.1% | 40.5% | - | 45.5% | 36.8% | 45.0% | - |
| EPS CAGR (5y) | 28.6% | - | 56.4% | 34.1% | 77.1% | - | 53.2% | 44.5% | 37.6% | - |
| FCF growth (YoY) | 10.9% | - | - | - | 5.2% | - | - | - | 6.1% | - |
| FCF CAGR (5y) | 21.8% | - | - | - | 34.0% | - | - | - | 47.3% | - |
| Book value growth (YoY) | 24.3% | 32.1% | 30.0% | 37.0% | 35.2% | 36.5% | 55.3% | 44.2% | 43.5% | 45.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$1.87B totalExcess And Surplus Lines Segment$1.87B · 100.0%
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing Kinsale Capital Group against the 5 most active filers in the same SIC group.
Dividends
$0.84/share trailing 12 months · +31.3% YoY
| Ex-date | Per share |
|---|---|
| May 28, 2026 | $0.2500 |
| Feb 26, 2026 | $0.2500 |
| Nov 28, 2025 | $0.1700 |
| Aug 29, 2025 | $0.1700 |
| May 29, 2025 | $0.1700 |
| Feb 27, 2025 | $0.1700 |
| Nov 29, 2024 | $0.1500 |
| Aug 29, 2024 | $0.1500 |
| May 31, 2024 | $0.1500 |
| Feb 26, 2024 | $0.1500 |
| Nov 28, 2023 | $0.1400 |
| Aug 28, 2023 | $0.1400 |
| May 30, 2023 | $0.1400 |
| Feb 27, 2023 | $0.1400 |
| Nov 29, 2022 | $0.1300 |
| Aug 26, 2022 | $0.1300 |
| May 27, 2022 | $0.1300 |
| Mar 1, 2022 | $0.1300 |
| Nov 26, 2021 | $0.1100 |
| Aug 30, 2021 | $0.1100 |
| May 26, 2021 | $0.1100 |
| Feb 25, 2021 | $0.1100 |
| Nov 27, 2020 | $0.0900 |
| Aug 28, 2020 | $0.0900 |