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Earnings transcript
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KNSL
Kinsale Capital Group, Inc.
$344.9
-0.9
(-0.26%)
| Exchange: | NYSE |
| Market Cap: | 8.024B |
| Shares Outstanding: | 20.969M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Michael Patrick Kehoe | |||||
| Full Time Employees: | 660 | |||||
| Address: |
| |||||
| Website: | https://www.kinsalecapitalgroup.com |
Kinsale Capital Group, Inc., a specialty insurance company, provides property and casualty insurance products in the United States. The company’s commercial lines offerings include construction, small business, excess and general casualty, commercial property, allied health, life sciences, energy, environmental, health care, inland marine, public entity, and commercial insurance, as well as product, professional, and management liability insurance. It markets and sells its insurance products in all 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the U.S. Virgin Islands primarily through a network of independent insurance brokers. The company was founded in 2009 and is headquartered in Richmond, Virginia.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,224,449 | 1,587,525 | 1,873,987 |
| Gross Profit | 510,513 | 680,442 | 983,296 |
| EBITDA | 397,592 | 530,652 | 650,782 |
| Operating Income | 384,017 | 514,716 | 634,302 |
| Net Income | 308,093 | 414,843 | 503,614 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 3,772,974 | 4,886,704 | 6,043,561 |
| Total Liabilities | 2,686,142 | 3,403,143 | 3,645,143 |
| Total Stockholders Equity | 1,086,832 | 1,483,561 | 1,959,583 |
| Total Debt | 183,846 | 184,122 | 224,397 |
| Cash and Cash Equivalents | 126,694 | 113,213 | 163,361 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 859,835 | 976,301 | 1,043,738 |
| Capital Expenditure | -6,607 | -23,943 | -53,685 |
| Free Cash Flow | 853,228 | 952,358 | 990,053 |
| Net Income | 308,093 | 414,843 | 503,614 |
| Net Change in Cash | -29,580 | -13,481 | 50,148 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,984,395.770 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,140,604.229 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,062,500 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 862,519.926 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 930,416.114 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 896,468.021 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 509,139.066 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 585,164.367 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 529,784.860 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 23.520 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 25.160 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 21.890 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: Kinsale Capital Group reported a 27.5% increase in operating earnings for Q2 2025, as highlighted in the latest earnings call transcript. This growth is supported by consistent revenue increases and robust net income figures from recent income statements, reflecting effective operational management.
- High Profit Margins: Key metrics indicate strong gross profit margin and net profit margin TTM, positioning KNSL favorably within the insurance industry. This suggests efficient cost control and underwriting discipline, as emphasized by management during the Q2 2025 earnings call.
- Solid Free Cash Flow: Cash flow statements show healthy free cash flow TTM, underpinned by strong operating cash flow. This financial flexibility supports potential reinvestment or dividend growth, enhancing investor confidence.
- Market Positioning: The company’s focus on niche markets within the insurance sector, as per the earnings call summary, provides a competitive edge through specialized underwriting expertise, contributing to sustained growth.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates KNSL intrinsic value between $583.76 – $600.60 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about KNSL valuation
Is Kinsale Capital Group, Inc. (KNSL) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Kinsale Capital Group, Inc. (KNSL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is KNSL a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether KNSL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is KNSL’s P/E ratio?
You can see KNSL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for KNSL?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is KNSL a good long-term investment?
Whether KNSL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
KNSL
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.26
Trading Metrics:
| Open: | 345.76 | Previous Close: | 345.8 | |
| Day Low: | 339.33 | Day High: | 351.48 | |
| Year Low: | 321.97 | Year High: | 512.76 | |
| Price Avg 50: | 372.65 | Price Avg 200: | 415.86 | |
| Volume: | 262693 | Average Volume: | 249655 |
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Login — it's freeKNSL full analysis
Welcome to MARKETSNAP’s SWOT analysis for Kinsale Capital Group, a specialty insurance company that’s been carving out a strong niche in the property and casualty market. If you’re not familiar with Kinsale Capital Group, let me give you the quick rundown: they operate in the insurance industry, focusing on excess and surplus lines, which basically means they cover unique or high-risk policies that standard insurers often shy away from. Headquartered in the U.S., they’ve built a reputation for disciplined underwriting…
