Kinsale Capital Group
KNSL NYSE· Property & Casualty Insurance
Last close · Oct 26, 2026
$369.88
KIRA · Stoqly’s AI analyst, in plain words
- Kinsale Capital Group had $1.9B of revenue in fiscal 2025, up 18.0% on the year before. Over five years, revenue changed +32.4% a year on average.
- Kinsale Capital Group made $504M of net profit in fiscal 2025.
- Free cash flow was $990M in fiscal 2025, 52.8% of revenue.
- Kinsale Capital Group returned $106M to shareholders in fiscal 2025, 11% of free cash flow. The diluted share count fell 0.3%.
- Kinsale Capital Group owes $57.2M more than it holds in cash, about 0.1 years of operating profit.
Market cap
$8.3B
P/E
16.1x
Revenue
$1.9B
Net income
$504M
Free cash flow
$990M
Operating margin
—
Kinsale Capital Group in 30 seconds · fiscal 2025
Are sales growing?
+18.0%
Yes. Sales grew 18.0% last year.
Does it make a profit?
26.9%
Yes. It keeps 26.9% of every sale as profit.
Does profit turn into cash?
52.8%
Yes. 52.8% of sales ends up as free cash.
Is debt under control?
0.1x
Yes. It could repay its debt with 0.1 years of operating profit.
How is the share priced?
16.1x
One share costs 16.1 times its yearly profit per share. Typical for its sector: 13.7x.
What Kinsale Capital Group does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 20, 2026
- Legal name
- KINSALE CAPITAL GROUP, INC.
- CIK
- 0001669162
Kinsale Capital Group · KNSL
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $654M | $839M | $1.2B | $1.6B | $1.9B |
| Revenue growth | 42.1% | 28.4% | 46.0% | 29.7% | 18.0% |
| Net income | $153M | $159M | $308M | $415M | $504M |
| Net margin | 23.4% | 19.0% | 25.2% | 26.1% | 26.9% |
| Diluted EPS | $6.62 | $6.88 | $13.22 | $17.78 | $21.65 |
| Cash | |||||
| Cash from operations | $407M | $558M | $860M | $976M | $1.0B |
| Capital expenditure | $5.9M | $6.9M | $6.6M | $23.9M | $53.7M |
| Free cash flow | $401M | $551M | $853M | $952M | $990M |
| FCF margin | 61.4% | 65.7% | 69.7% | 60.0% | 52.8% |
| Dividends paid | $10.0M | $11.9M | $13.0M | $13.9M | $15.8M |
| Share buybacks | $0.0M | $0.0M | $0.0M | $10.0M | $90.0M |
| Share count change | 0.9% | 0.3% | 0.8% | 0.1% | −0.3% |
| Debt and strength | |||||
| Cash and short-term investments | $121M | $198M | $132M | $117M | $167M |
| Debt incl. finance leases | $42.7M | $196M | $184M | $184M | $224M |
| Shareholders' equity | $699M | $745M | $1.1B | $1.5B | $2.0B |
| Net debt / EBITDA | −0.4x | −0.0x | 0.1x | 0.1x | 0.1x |
| Interest coverage | 190.9x | 46.7x | 38.3x | 51.8x | 60.6x |
| Returns and quality | |||||
| Return on capital | — | 23.8% | 33.6% | 31.5% | 28.7% |
| Return on equity | 23.9% | 22.0% | 33.6% | 32.3% | 29.3% |
Insiders bought, 12 months
$1.1M
2 insiders
Insiders sold, 12 months
$10.7M
5 insiders
Of sales under plans
64%
$6.8M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Kinsale Capital Group · KNSL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Op. margin | FCF margin | ROIC | P/E | F-score |
|---|---|---|---|---|---|---|---|
| Kinsale Capital Group KNSL | $8.3B | 18.0% | — | 52.8% | 28.7% | 16.1x | — |
| RLI RLI | $6.0B | 6.3% | — | 32.3% | — | 15.1x | — |
| Selective Insurance Group SIGI | $5.9B | 9.8% | — | 22.4% | 14.6% | 11.9x | — |
| Hanover Insurance THG | $8.5B | 5.7% | 14.2% | 17.8% | 21.3% | 11.4x | — |
| Old Republic International ORI | $9.5B | 11.0% | — | — | — | 8.4x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $369.88 a share, the company is worth $8.3B: 16.1 times its earnings of the last four quarters.
Kinsale Capital Group grew sales faster than 4 of its 4 similar companies. Its P/E is higher than 4 of 4.
Source: SEC EDGAR XBRL filings (CIK 0001669162). Data updated October 22, 2026. For information only — not investment advice. Check the original filings before relying on any figure.