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Financials · KNSL

Kinsale Capital Group Inc. (KNSL) financials

For the twelve months ended Sep 30, 2026, Kinsale Capital Group Inc. reported $1.95B of revenue and $525.18M of net income.

Revenue, TTM
$1.95B
Revenue growth, YoY
+8.3%
Net income, TTM
$525.18M
Net income growth, YoY
+10.8%
Net margin
26.9%
Free cash flow, TTM
$973.04M
EPS, diluted, TTM
$22.93
EPS growth, YoY
+12.7%
Cash
$160.51M
Total debt
$224.60M
P/E
16.55
P/S
4.45
Market cap
$8.69B
Annual revenue$1.87B
FY2016FY2025
Annual net income$503.61M
FY2016FY2025
Annual free cash flow$990.05M
FY2016FY2025

KNSL revenue and earnings growth

KNSL revenueQ3 2026$454.80M

Quarter YoY
-8.6%
QoQ
-17.1%
FY YoY
+18.0%
5Y CAGR
+32.4%
10Y CAGR
+37.0%

KNSL revenue was $454.80M in fiscal Q3 2026 (ended Sep 30, 2026), down 8.6% from a year earlier and down 17.1% from the prior quarter. For the full fiscal 2025 it was $1.87B, up 18.0% from fiscal 2024. Compound annual growth was +32.4% over 5 years and +37.0% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 12 fiscal years on file.

KNSL net incomeQ3 2026$98.13M

Quarter YoY
-30.7%
QoQ
-44.2%
FY YoY
+21.4%
5Y CAGR
+41.6%
10Y CAGR
+36.6%

KNSL net income was $98.13M in fiscal Q3 2026 (ended Sep 30, 2026), down 30.7% from a year earlier and down 44.2% from the prior quarter. For the full fiscal 2025 it was $503.61M, up 21.4% from fiscal 2024. Compound annual growth was +41.6% over 5 years and +36.6% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 12 fiscal years on file.

KNSL EPSQ3 2026$4.36

Quarter YoY
-28.4%
QoQ
-43.5%
FY YoY
+21.8%
5Y CAGR
+41.1%

KNSL diluted EPS was $4.36 in fiscal Q3 2026 (ended Sep 30, 2026), down 28.4% from a year earlier and down 43.5% from the prior quarter. For the full fiscal 2025 it was $21.65, up 21.8% from fiscal 2024. Compound annual growth was +41.1% over 5 years.

KNSL free cash flowQ3 2026$261.81M

Quarter YoY
-9.6%
QoQ
+9.5%
FY YoY
+4.0%
5Y CAGR
+32.0%
10Y CAGR
+28.9%

KNSL free cash flow was $261.81M in fiscal Q3 2026 (ended Sep 30, 2026), down 9.6% from a year earlier and up 9.5% from the prior quarter. For the full fiscal 2025 it was $990.05M, up 4.0% from fiscal 2024. Compound annual growth was +32.0% over 5 years and +28.9% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 12 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$1.87B$1.59B$1.22B$838.80M$653.47M$459.89M$315.89M$222.11M$186.78M$141.62M
Interest expense---------$1.30M
Pre-tax income$634.30M$514.72M$384.02M$195.56M$188.80M$100.41M$76.05M$40.48M$38.52M$39.54M
Income tax$130.69M$99.87M$75.92M$36.45M$36.14M$11.99M$12.73M$6.69M$13.62M$13.37M
Net income$503.61M$414.84M$308.09M$159.11M$152.66M$88.42M$63.32M$33.79M$24.90M$26.17M
EPS, basic$21.76$17.92$13.37$6.97$6.73$3.96$2.94$1.60$1.19-
EPS, diluted$21.65$17.78$13.22$6.88$6.62$3.87$2.86$1.56$1.16-
Diluted shares23.3M23.3M23.3M23.1M23.1M22.9M22.1M21.7M21.5M-

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$163.36M$113.21M$126.69M$156.27M$121.04M$77.09M$100.41M$75.09M$81.75M$50.75M
Short-term investments----$0$0$0$0$0$0
Total assets$6.04B$4.89B$3.77B$2.75B$2.03B$1.55B$1.09B$773.06M$667.85M$614.39M
Total debt$224.40M$184.12M$183.85M$195.75M$42.70M-----
Total liabilities$4.08B$3.40B$2.69B$2.00B$1.33B$970.66M$684.67M$509.08M$429.66M$404.18M
Shareholders' equity$1.96B$1.48B$1.09B$745.45M$699.34M$576.24M$405.88M$263.99M$238.19M$210.21M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$1.04B$976.30M$859.84M$557.82M$407.04M$279.97M$178.36M$103.98M$77.40M$73.74M
Capital expenditures$53.69M$23.94M$6.61M$6.90M$5.92M$32.88M$19.62M$1.27M$179.0K$565.0K
Free cash flow$990.05M$952.36M$853.23M$550.91M$401.12M$247.10M$158.74M$102.71M$77.22M$73.18M
Investing cash flow-$922.21M-$960.13M-$860.89M-$708.57M-$351.95M-$379.43M-$230.79M-$106.54M-$42.43M-$88.14M
Financing cash flow-$71.38M-$29.66M-$28.52M$185.99M-$11.14M$76.14M$77.75M-$4.10M-$3.97M$40.61M
Dividends paid$15.78M$13.94M$12.95M$11.93M$10.02M$8.07M$6.93M$5.91M$5.04M$2.10M
Share repurchases$90.00M$10.00M$0$0------
Stock-based compensation$17.88M$14.15M$9.36M$6.68M$4.84M$3.58M$2.74M$1.60M$652.0K$492.0K
Depreciation and amortization$5.83M$5.80M$3.27M$2.72M$2.31M$1.57M$682.0K$631.0K$515.0K$636.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY18.0%29.7%46.0%28.4%42.1%45.6%42.2%18.9%31.9%75.7%
Net income growth, YoY21.4%34.6%93.6%4.2%72.7%39.6%87.4%35.7%-4.8%17.5%
EPS growth, YoY21.8%34.5%92.2%3.9%71.1%35.3%83.3%34.5%--
Net margin26.9%26.1%25.2%19.0%23.4%19.2%20.0%15.2%13.3%18.5%
Free cash flow margin52.8%60.0%69.7%65.7%61.4%53.7%50.3%46.2%41.3%51.7%
Return on equity25.7%28.0%28.3%21.3%21.8%15.3%15.6%12.8%10.5%12.4%
Return on assets8.3%8.5%8.2%5.8%7.5%5.7%5.8%4.4%3.7%4.3%
Debt to equity0.110.120.170.260.06-----

Source: XBRL data Kinsale Capital Group Inc. files with the SEC, latest filing dated Oct 22, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

KNSL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
KNSL$1.95B+8.3%$525.18M26.9%$8.69B
CB$61.85B+5.7%$11.23B18.2%$138.87B
PGR$91.73B+7.7%$11.62B12.7%$131.82B
TRV$48.92B+1.1%$8.33B17.0%$80.99B
ALL$70.23B+5.1%$11.61B16.5%$62.80B
AIG$27.73B+1.2%$3.29B11.9%$41.28B
HIG$29.87B+9.2%$4.61B15.4%$36.06B
ACGL$18.78B-3.9%$4.38B23.3%$35.20B
CINF$13.28B+9.9%$2.66B20.1%$28.58B

KNSL FAQ

8 questions
  • What is KNSL revenue?
    Kinsale Capital Group Inc. (KNSL) reported $1.95B of revenue for the twelve months ended Sep 30, 2026. That is up 8.3% from the year before. Revenue for fiscal 2025 was $1.87B.
  • Is KNSL profitable?
    Yes. Kinsale Capital Group Inc. earned $525.18M in net income for the twelve months ended Sep 30, 2026, a net margin of 26.9%.
  • How much cash and debt does KNSL have?
    Kinsale Capital Group Inc. reported $160.51M in cash and cash equivalents and $224.60M of debt on its most recent balance sheet in SEC filings.
  • How fast is KNSL revenue growing?
    Kinsale Capital Group Inc.'s revenue changed +18.0% in fiscal 2025, to $1.87B. Its compound annual growth rate was +32.4% over 5 years and +37.0% over 10 years.
  • What is KNSL free cash flow?
    Kinsale Capital Group Inc. generated $973.04M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $996.28M less capital expenditures.
  • What is KNSL earnings per share?
    Diluted earnings per share were $22.93 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did KNSL last report financial results?
    The latest statements here come from Kinsale Capital Group Inc.'s 10-Q filed on Oct 22, 2026, covering the period ended Sep 30, 2026.
  • Where does this KNSL financial data come from?
    Quantisnow builds these statements from the structured XBRL data Kinsale Capital Group Inc. files with the SEC. It is provided for information only and is not investment advice.