Kinsale Capital Q4 Earnings Exceed Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 3 days ago
0mins
Should l Buy KNSL?
Source: seekingalpha
- Strong Earnings Performance: Kinsale Capital reported a Q4 Non-GAAP EPS of $5.81, beating expectations by $0.50, which highlights the company's robust profitability in the insurance market and boosts investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $483.27 million, reflecting a 17.3% year-over-year increase and surpassing market expectations by $15.89 million, indicating sustained growth momentum and strong market demand in its insurance business.
- Share Repurchase Program: Kinsale Capital authorized a $250 million share repurchase program aimed at enhancing EPS by reducing the number of outstanding shares, demonstrating the company's confidence in its value and commitment to shareholder returns.
- Solid Market Position: Kinsale Capital is recognized as a quality player in the E&S insurance sector, with its ongoing profitability and growth potential allowing it to maintain a leading position in a competitive market, attracting increased investor interest.
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Analyst Views on KNSL
Wall Street analysts forecast KNSL stock price to rise
11 Analyst Rating
3 Buy
8 Hold
0 Sell
Moderate Buy
Current: 401.000
Low
415.00
Averages
465.89
High
510.00
Current: 401.000
Low
415.00
Averages
465.89
High
510.00
About KNSL
Kinsale Capital Group, Inc. is a specialty insurance company that focuses on the excess and surplus lines (E&S) market in the United States. It writes E&S insurance on a non-admitted basis through its insurance subsidiary, Kinsale Insurance Company, which is authorized to write business in 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the United States Virgin Islands. It also markets certain products through its subsidiary, Aspera Insurance Services, Inc., an insurance broker. Its core client focus is small- to medium-sized accounts. Its commercial lines offerings include commercial property, excess casualty, small business casualty, construction, general casualty, allied health, products liability, small business casualty, general casualty, construction, allied health, small business property, products liability, entertainment, energy, and all other commercial lines. Its personal lines offerings include high value homeowners and personal insurance.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Kinsale Capital Group Q4 2025 Earnings Highlights
- Significant Earnings Growth: Kinsale Capital Group reported diluted operating earnings per share of $5.81 for Q4 2025, reflecting a 25% increase from $4.62 in Q4 2024, demonstrating the company's ability to achieve profitability growth in a competitive market.
- Stable Premium Growth: Despite challenges in the commercial property segment, gross and net written premiums grew by 1.8% and 7.1%, respectively, with a notable 10.2% growth in gross written premiums excluding commercial property, indicating strong performance in other areas.
- Cost Control Advantage: Kinsale's expense ratio stood at 20.8%, significantly lower than industry peers, with the CEO emphasizing the company's low-cost business model and technological advantages, particularly through extensive AI applications that enhance operational efficiency.
- Capital Return and Dividend Increase: The company announced a $250 million share buyback authorization and raised its quarterly dividend from $0.17 to $0.25, reflecting management's confidence in future cash flows and commitment to shareholder returns.
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- Stock Performance Excellence: Since May 2022, ANET's stock has outperformed the S&P 500 by 362%, reflecting strong market confidence in its growth potential, with CEO Ullal emphasizing the company's central role in mission-critical network transactions.
- Surge in Deferred Revenue: The company reported deferred revenue of $5.37 billion, indicating a growing backlog, and investors will closely monitor the conversion of multistage projects to ensure cash flow supports higher innovation spending.
- Positive Market Reaction: In pre-market trading, ANET's stock surged over 10%, demonstrating a positive market response to its robust performance and growth outlook, further solidifying its leadership position in the AI networking sector.
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Kinsale Capital Q4 Earnings Exceed Expectations
- Strong Earnings Performance: Kinsale Capital reported a Q4 Non-GAAP EPS of $5.81, beating expectations by $0.50, which highlights the company's robust profitability in the insurance market and boosts investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $483.27 million, reflecting a 17.3% year-over-year increase and surpassing market expectations by $15.89 million, indicating sustained growth momentum and strong market demand in its insurance business.
- Share Repurchase Program: Kinsale Capital authorized a $250 million share repurchase program aimed at enhancing EPS by reducing the number of outstanding shares, demonstrating the company's confidence in its value and commitment to shareholder returns.
- Solid Market Position: Kinsale Capital is recognized as a quality player in the E&S insurance sector, with its ongoing profitability and growth potential allowing it to maintain a leading position in a competitive market, attracting increased investor interest.
See More
Kinsale Capital Set to Release Q4 Earnings on February 12
- Earnings Announcement: Kinsale Capital is set to announce its Q4 2023 earnings on February 12 after market close, with a consensus EPS estimate of $5.31, reflecting a 14.9% year-over-year increase, indicating sustained profitability that could bolster investor confidence.
- Revenue Growth Expectations: The revenue is projected to reach $467.38 million, representing a 35.0% year-over-year growth, suggesting enhanced competitiveness and market share in the insurance sector, which may attract increased investor interest.
- Historical Performance: Kinsale has beaten EPS estimates 100% of the time over the past two years and surpassed revenue estimates 63% of the time, reinforcing market confidence in its financial health and future performance.
- Estimate Revision Trends: Over the last three months, EPS estimates have seen 6 upward revisions and 2 downward adjustments, while revenue estimates experienced 1 upward and 1 downward revision, indicating analysts' optimistic outlook on Kinsale's profitability and market performance.
See More
High-Volume Earnings Reports This Week from Tech and Consumer Sectors
- Earnings Schedule: This week features a high volume of earnings reports from technology, consumer discretionary, and energy sectors, with RIVN stock showing notable movement ahead of its earnings release, indicating investor sentiment.
- Monday.com and Pagaya Reports: On Monday, work management SaaS provider Monday.com and fintech company Pagaya released their earnings before the market opened, with expectations that their results will reflect broader industry trends.
- Coinbase Earnings Expectations: On Thursday, Coinbase is expected to report earnings of 68 cents per share and quarterly revenue of $1.86 billion, despite facing a projected 33% drop in transaction revenue, raising investor interest in its growing stablecoin and subscription services.
- Nebius Group Forecast: Also on Thursday, Nebius Group is projected to report a loss of $1.14 per share and revenue of $246.05 million, with analysts expressing caution, reflecting concerns over cloud service demand in the current market environment.
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Zoom Beats Earnings Estimates; Palantir and Kinsale Capital Show Strong Guidance
- Zoom's Strong Earnings: Zoom reported third-quarter revenue of $1.23 billion on November 24, surpassing the consensus estimate of $1.21 billion, indicating robust cash flow and market demand that could drive stock price growth.
- Palantir's Positive Outlook: Palantir's fourth-quarter results exceeded expectations, and the company provided first-quarter sales guidance above estimates, along with FY26 guidance that also surpassed analyst forecasts, highlighting its future growth potential.
- Kinsale Capital's Optimistic Forecast: Kinsale Capital shares rose 0.4% to close at $410.44 on Thursday, with analyst Hristian Getsov initiating coverage with an Overweight rating and a $490 price target, reflecting market confidence in its future performance.
- Merck's Drug Approval: Merck's ENFLONSIA received approval from Health Canada for preventing RSV lower respiratory tract disease in newborns and infants, with shares gaining 1.2% to close at $119.75, showcasing the company's ongoing innovation in the healthcare sector.
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Kinsale Capital Group Q4 2025 Earnings Highlights
- Significant Earnings Growth: Kinsale Capital Group reported diluted operating earnings per share of $5.81 for Q4 2025, reflecting a 25% increase from $4.62 in Q4 2024, demonstrating the company's ability to achieve profitability growth in a competitive market.
- Stable Premium Growth: Despite challenges in the commercial property segment, gross and net written premiums grew by 1.8% and 7.1%, respectively, with a notable 10.2% growth in gross written premiums excluding commercial property, indicating strong performance in other areas.
- Cost Control Advantage: Kinsale's expense ratio stood at 20.8%, significantly lower than industry peers, with the CEO emphasizing the company's low-cost business model and technological advantages, particularly through extensive AI applications that enhance operational efficiency.
- Capital Return and Dividend Increase: The company announced a $250 million share buyback authorization and raised its quarterly dividend from $0.17 to $0.25, reflecting management's confidence in future cash flows and commitment to shareholder returns.
See More
Arista Networks Surges Amid AI Networking Demand
- Earnings Growth Outlook: Arista Networks (ANET) reported strong demand for ethernet switches and routers in its quarterly results, now projecting a 25% revenue growth for the year, up from a previous target of 20%, highlighting the company's pivotal role in AI infrastructure spending.
- Stock Performance Excellence: Since May 2022, ANET's stock has outperformed the S&P 500 by 362%, reflecting strong market confidence in its growth potential, with CEO Ullal emphasizing the company's central role in mission-critical network transactions.
- Surge in Deferred Revenue: The company reported deferred revenue of $5.37 billion, indicating a growing backlog, and investors will closely monitor the conversion of multistage projects to ensure cash flow supports higher innovation spending.
- Positive Market Reaction: In pre-market trading, ANET's stock surged over 10%, demonstrating a positive market response to its robust performance and growth outlook, further solidifying its leadership position in the AI networking sector.
See More
Kinsale Capital Q4 Earnings Exceed Expectations
- Strong Earnings Performance: Kinsale Capital reported a Q4 Non-GAAP EPS of $5.81, beating expectations by $0.50, which highlights the company's robust profitability in the insurance market and boosts investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $483.27 million, reflecting a 17.3% year-over-year increase and surpassing market expectations by $15.89 million, indicating sustained growth momentum and strong market demand in its insurance business.
- Share Repurchase Program: Kinsale Capital authorized a $250 million share repurchase program aimed at enhancing EPS by reducing the number of outstanding shares, demonstrating the company's confidence in its value and commitment to shareholder returns.
- Solid Market Position: Kinsale Capital is recognized as a quality player in the E&S insurance sector, with its ongoing profitability and growth potential allowing it to maintain a leading position in a competitive market, attracting increased investor interest.
See More
Kinsale Capital Set to Release Q4 Earnings on February 12
- Earnings Announcement: Kinsale Capital is set to announce its Q4 2023 earnings on February 12 after market close, with a consensus EPS estimate of $5.31, reflecting a 14.9% year-over-year increase, indicating sustained profitability that could bolster investor confidence.
- Revenue Growth Expectations: The revenue is projected to reach $467.38 million, representing a 35.0% year-over-year growth, suggesting enhanced competitiveness and market share in the insurance sector, which may attract increased investor interest.
- Historical Performance: Kinsale has beaten EPS estimates 100% of the time over the past two years and surpassed revenue estimates 63% of the time, reinforcing market confidence in its financial health and future performance.
- Estimate Revision Trends: Over the last three months, EPS estimates have seen 6 upward revisions and 2 downward adjustments, while revenue estimates experienced 1 upward and 1 downward revision, indicating analysts' optimistic outlook on Kinsale's profitability and market performance.
See More
High-Volume Earnings Reports This Week from Tech and Consumer Sectors
- Earnings Schedule: This week features a high volume of earnings reports from technology, consumer discretionary, and energy sectors, with RIVN stock showing notable movement ahead of its earnings release, indicating investor sentiment.
- Monday.com and Pagaya Reports: On Monday, work management SaaS provider Monday.com and fintech company Pagaya released their earnings before the market opened, with expectations that their results will reflect broader industry trends.
- Coinbase Earnings Expectations: On Thursday, Coinbase is expected to report earnings of 68 cents per share and quarterly revenue of $1.86 billion, despite facing a projected 33% drop in transaction revenue, raising investor interest in its growing stablecoin and subscription services.
- Nebius Group Forecast: Also on Thursday, Nebius Group is projected to report a loss of $1.14 per share and revenue of $246.05 million, with analysts expressing caution, reflecting concerns over cloud service demand in the current market environment.
See More
Zoom Beats Earnings Estimates; Palantir and Kinsale Capital Show Strong Guidance
- Zoom's Strong Earnings: Zoom reported third-quarter revenue of $1.23 billion on November 24, surpassing the consensus estimate of $1.21 billion, indicating robust cash flow and market demand that could drive stock price growth.
- Palantir's Positive Outlook: Palantir's fourth-quarter results exceeded expectations, and the company provided first-quarter sales guidance above estimates, along with FY26 guidance that also surpassed analyst forecasts, highlighting its future growth potential.
- Kinsale Capital's Optimistic Forecast: Kinsale Capital shares rose 0.4% to close at $410.44 on Thursday, with analyst Hristian Getsov initiating coverage with an Overweight rating and a $490 price target, reflecting market confidence in its future performance.
- Merck's Drug Approval: Merck's ENFLONSIA received approval from Health Canada for preventing RSV lower respiratory tract disease in newborns and infants, with shares gaining 1.2% to close at $119.75, showcasing the company's ongoing innovation in the healthcare sector.
See More
