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Kinsale Capital Group KNSL Unearned premiums

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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$8.45B-18.5%
Enterprise value$8.46B-18.7%
P/E14.9×-8.4×
P/S4.2×-1.8×

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:UnearnedPremiums.

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
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
Other liabilities16,0917,631

Item 1. Financial Statements

FAQ

What is Kinsale Capital Group's unearned premiums?
Kinsale Capital Group (KNSL) reported unearned premiums of $891.58M in Q2 2026.
How has Kinsale Capital Group's unearned premiums changed year-over-year?
Kinsale Capital Group's unearned premiums decreased by 3.2% year-over-year, from $921.14M to $891.58M.
What is the long-term trend for Kinsale Capital Group's unearned premiums?
Over 5 years (2020 to 2025), Kinsale Capital Group's unearned premiums has grown at a 26.9% compound annual growth rate (CAGR), from $260.99M to $860.39M.
What does unearned premiums mean?
This represents the portion of written premiums that relates to the unexpired period of insurance policies, which the company has collected but not yet earned. As time passes, this liability is reduced and the corresponding amount is recognized as earned premium revenue. It serves as a key indicator of future revenue potential and the company's current volume of active insurance coverage.

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