Wednesday 4 November 2026 Export KNSL’s income statement to Excel — free account

Kinsale Capital Group, Inc.

KNSL Financial Insurance Property & Casualty

Kinsale Capital Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.9 billion, up 18.0% from fiscal 2024.

Revenue: −8.58%
EPS: −28.8%
Free cash flow: −9.58%
Total debt: +12.7%

Quarter to September 2026, against a year earlier

391.30 7.75 +2.02%

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Market cap: $8.6B
P/E: 16.6×
Fwd P/E: 16.2×
Dividend yield: 0.24%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Valuation Filings

Kinsale Capital Group, Inc. (KNSL) revenue by segment, product and region

Where the money comes from and where it goes

Fiscal 2025: revenue by segment, and margins
Excess and Surplus Lines Segment	1,874	100.00%
Gross margin		34.50%
Operating margin		34.42%
Pre-tax margin		33.85%

Revenue by segment $m

Line	FY2025	FY2024	FY2023	FY2022
Excess and Surplus Lines Segment	1,874 100.00%	1,588 100.00%	1,224 100.00%	839 100.00%
Revenue	1,874	1,588	1,224	839

Operating figures as reported in each quarter’s results release or filing

Figure	Quarter	Latest	A year before	Change
Combined ratio	Q3 FY2026	75.4%	74.9%	—
Current accident year - catastrophe losses	Q3 FY2026	0.50%	0.30%	—
Current accident year loss ratio	Q3 FY2026	57.4%	57.3%	—
Effect of prior accident year development	Q3 FY2026	−4.50%	−3.70%	—
Expense ratio	Q3 FY2026	22.0%	21.0%	—
Loss ratio	Q3 FY2026	53.4%	53.9%	—

	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025	Q4 FY2024	Q3 FY2024	Q2 FY2024	Q1 FY2024	Q4 FY2023
Combined ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Current accident year - catastrophe losses	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Current accident year loss ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Effect of prior accident year development	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Expense ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Loss ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
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As each company reports them in its 10-K and 10-Q filings, in US dollars. Where a later filing recast a year's segments, the year is shown as recast; a period whose breakdown does not add up to the company's revenue is left out.