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Kinsale Capital Group KNSL Q4 2025 Annual earnings

Reported February 12, 2026 · After market close

Revenue$370.6MMiss by $21.9MDiluted EPS$5.81Beat by $0.51
Revenue estimate$392.4M
EPS estimate$5.30

Next report

Jul 23, 2026 (In 1 week)
Revenue estimate$445.1M
EPS estimate$5.10

Financials

Q4 2025

Income statement

See full
Revenue$483.3M+17.3%
Net income$138.6M+27.1%
EPS (diluted)$5.98+27.8%

Balance sheet

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Cash & equivalents$163.4M+44.3%
Total debt$224.4M+21.9%
Total equity$2.0B+32.1%
Total assets$6.0B+23.7%

Cash flow

See full
Operating cash flow$241.4M+13.3%
CapEx$10.6M-1.7%
Free cash flow$230.8M+14.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$9.1B-16.0%
Enterprise value$9.16B-16.0%
P/E18.1×-8.0×
P/S4.9×-2.0×

Profitability

See full
Net margin26.9%+0.7pp
FCF margin52.8%-7.2pp

Returns & leverage

See full
Return on equity29.3%-3.0pp
Debt / equity0.1×0.0×

Segments

By segment

See full
Excess and Surplus Lines Segment$483.3M+17.3%

Versus estimates

Revenue

Q1 2026$403.3MMiss by $2.5M
Q4 2025$370.6MMiss by $21.9M
Q3 2025$497.5MBeat by $29.8MQ2 2025$469.8MBeat by $47.4MQ1 2025$423.4MMiss by $1.5MQ4 2024$412.1MMiss by $4.5M

Diluted EPS

Q1 2026$5.11Beat by $0.41
Q4 2025$5.81Beat by $0.51
Q3 2025$5.21Beat by $0.42Q2 2025$4.78Beat by $0.37Q1 2025$3.71Beat by $0.56Q4 2024$4.62Beat by $0.39

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Questions, answered.

When did Kinsale Capital Group report Q4 2025 earnings?
Kinsale Capital Group (KNSL) reported Q4 2025 earnings on February 12, 2026 after market close.
What were Kinsale Capital Group's Q4 2025 revenue and EPS?
Kinsale Capital Group reported revenue of $370.6M and diluted EPS of $5.81 for Q4 2025.
Did Kinsale Capital Group beat estimates in Q4 2025?
Revenue missed the consensus estimate of $392.4M by $21.9M. EPS beat the consensus estimate of $5.30 by $0.51.
How did Kinsale Capital Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 10.1% from $412.1M a year earlier and diluted EPS grew 25.8% from $4.62.
Where can I find Kinsale Capital Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001669162-26-000012) and the 10-K periodic report (0001669162-26-000015) directly on SEC EDGAR. The filing index links above go to sec.gov.