Skip to content
ESPT
MARKETS / NYSE / Financials / Insurance / KNSL
NYSE · FIRE, MARINE & CASUALTY INSURANCE · LARGE CAP

Kinsale Capital Group, Inc. KNSL

12 fiscal years on record · USD · FY2025 reported · SEC filings only
7 YEARS OF DIVIDEND GROWTH
$1.9B
▲ 18.0% YoY
$503.6M
▲ 21.4% YoY
$990.1M
▲ 4.0% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Kinsale is a property and casualty insurance company that focuses exclusively on the excess and surplus lines ("E&S") market in the U.S., writing coverages for hard-to-place risks. It 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. As of December 31, 2025, it had 720 employees, of which 711 were full-time, all located at its headquarters in Richmond, Virginia. The average premium per policy it wrote in 2025 was $13,400. In 2025, the percentage breakdown of its gross written premiums was 70.7% casualty and 29.3% property. Kinsale Capital Group, Inc., a Delaware domiciled insurance holding company, was formed on June 3, 2009 for the purpose of acquiring and managing insurance entities.

Written from the business description in Kinsale Capital Group, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 20 February 2026. Every sentence was checked against that document before publication.

Growth

USD 1.9B
Revenue, FY2025 · full 12-year series below
Revenue $B Net income $B
FY2025 · Revenue 1.9 · Net income 0.5
1B2B
20142017202020232025
Compound annual growth
+30.7%
+32.4%
+37.0%
+46.8%
+41.6%
+36.6%
+46.5%
+41.1%
+9.4%
+13.6%
+106.5%
+67.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +32.4% a year over the five years to FY2025 — but profit grew faster: net income at +41.6%, earnings per share at +41.1%.

The share count rose from 0.02B to 0.02B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

27 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 33.8% · Net 26.9%
20%40%
201420192025
ROE
FY2025 · ROE 29.3%
10%20%30%
201420192025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin33.8%
Net margin26.9%
EBITDA·

Each USD of equity produced 29 cents of profit this year.

Cash & shareholders

USD 105.1M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 990.1
400M800M
201420192025
Net buybacks $M Dividends $M
FY2025 · Dividends 15.8 · Net buybacks 89.3
50M100M-20M-40MDividendsNet buybacks
2014201620182020202220242025
Dividends paidUSD 15.8M
Net buybacksUSD 89.3M
Share of profit20.9%
Consecutive raises7 years

USD 15.8M in dividends and USD 89.3M in buybacks — 21% of the year's profit went back to shareholders.

Total assetsUSD 6.0B
EquityUSD 2.0B
CashUSD 163.4M
Gross debtUSD 224.4M
Net debtUSD 61.0M

Net debt stands at 3% of equity.

The 12-year record

12 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
KNSL, 12-year financial record
Metric 202520242023202220212020201920182017201620152014
Revenue $B1.91.61.20.80.70.50.30.20.20.10.10.1
Operating income $B0.60.50.40.20.20.10.10.00.00.00.00.0
EBITDA $B◌◌◌◌◌◌◌◌◌◌◌◌
Income tax $B0.10.10.10.00.00.00.00.00.00.00.00.0
Net income $B0.50.40.30.20.20.10.10.00.00.00.00.0
Free cash flow $B1.01.00.90.60.40.20.20.10.10.10.10.1
EPS, diluted $21.6517.7813.226.886.623.872.861.561.16◌◌◌
Dividend / sh $0.680.600.560.520.440.360.320.28◌◌◌◌
Payout %334779111720800
ROE %29.332.333.622.023.918.018.913.511.116.221.614.0
Shares out B0.020.020.020.020.020.020.020.020.020.020.00◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 32 reconciliationsAUDITED

Reconciled in 12 of the 12 fiscal years we could check. 10 checks were skipped: EPS is not tagged before 2017. Eight checks were skipped: the balance sheet is not tagged before 2015.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityFire, Marine & Casualty Insurance
Listed onNYSE
Incorporated innot stated in the filings
Fiscal year endsDecember 31
Data on record since2014

Share this section

Download image