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Kinsale Capital Group KNSL Reserve for insurance claims

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Other financials

Income statement

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Revenue$548.5M+16.8%
Net income$175.9M+31.1%
EPS (diluted)$7.72+34.0%

Balance sheet

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Cash & equivalents$210.5M+52.4%
Total debt$224.5M+21.9%
Total equity$2.0B+18.1%
Total assets$6.4B+15.7%

Cash flow

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Operating cash flow$241.9M-10.1%
CapEx$2.8M-83.6%
Free cash flow$239.1M-5.1%

Valuation

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Market cap$8.51B-16.4%
Enterprise value$8.53B-16.7%
P/E15×-7.8×
P/S4.3×-1.6×

Profitability

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Net margin28.5%+2.6pp
FCF margin50.1%-4.4pp

Returns & leverage

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Return on equity30.3%+0.3pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Kinsale Capital Group in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The source filing: Kinsale Capital Group’s 10-Q, filed July 23, 2026.

Filed
Jul 23, 2026, 4:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001669162-26-000040
Line itemJune 30, 2026December 31, 2025
Total assets$6,428,830$6,043,561
Liabilities and Stockholders' Equity
Liabilities:
Reserves for unpaid losses and loss adjustment expenses$3,192,552$2,890,870
Unearned premiums891,575860,394
Payable to reinsurers32,43734,385
Accounts payable and accrued expenses36,52666,301
Debt224,535224,397

Item 1. Financial Statements

FAQ

What is Kinsale Capital Group's reserve for insurance claims?
Kinsale Capital Group (KNSL) reported reserve for insurance claims of $3.19B in Q2 2026.
How has Kinsale Capital Group's reserve for insurance claims changed year-over-year?
Kinsale Capital Group's reserve for insurance claims increased by 21.7% year-over-year, from $2.62B to $3.19B.
What is the long-term trend for Kinsale Capital Group's reserve for insurance claims?
Over 5 years (2020 to 2025), Kinsale Capital Group's reserve for insurance claims has grown at a 35.4% compound annual growth rate (CAGR), from $636.01M to $2.89B.
What does reserve for insurance claims mean?
This represents the estimated liability for claims that have been reported but not yet paid, as well as an estimate for claims that have been incurred but not yet reported. It is the most significant liability for an insurer and is subject to actuarial estimation and uncertainty. The adequacy of these reserves is a primary determinant of the company's long-term profitability and financial stability.

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