Kinsale Capital Group
Writes US excess-and-surplus coverage for hard-to-place property and liability risks.
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Profile
Writes commercial property and liability coverage, plus a smaller homeowners offering. Independent brokers distribute its US insurance, while a single Excess and Surplus Lines Insurance segment concentrates the business in that specialty model.
Commercial property and liability insurance are written through specialist underwriting divisions for hard-to-place risks in excess-and-surplus markets. These are property-and-casualty exposures that standard insurers may not accept. A smaller homeowners offering serves personal lines. Coverage is sold throughout the United States through independent brokers rather than directly to policyholders.
Proprietary technology supports underwriting and quote processing, while internal systems reduce administrative and policy-administration staffing needs. Experienced E&S teams apply discipline to risk selection and pricing. The single reportable Excess and Surplus Lines Insurance segment keeps the business concentrated in that property-and-casualty model as competitive conditions change.
Company facts
Categories
Key statistics
Year to date −3.0% · Average volume (30d) 264.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Apr 27, 2026 | Wells Fargo | Downgrade | Overweight | Equal Weight | ||
| Apr 6, 2026 | Morgan Stanley | Downgrade | Overweight | Equal Weight | ||
| Mar 19, 2026 | Jefferies | Downgrade | Hold | Underperform | ||
| Feb 25, 2026 | BMO Capital | Downgrade | Market Perform | Underperform | ||
| Feb 13, 2026 | Jefferies | Target | $420 | $433 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $5.11 | $5.54 | +8.4% | $445.1M | $452.5M | +1.7% | +5.06% |
| Apr 23, 2026Q1 FY26 | $4.70 | $5.11 | +8.7% | $405.8M | $403.3M | −0.6% | −0.78% |
| Feb 12, 2026Q4 FY25 | $5.30 | $5.81 | +9.6% | $392.4M | $370.6M | −5.6% | −7.40% |
| Oct 23, 2025Q3 FY25 | $4.79 | $5.21 | +8.8% | $467.7M | $497.5M | +6.4% | −6.79% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $423.4M | $469.8M | $497.5M | $483.3M | $466.7M | $548.5M | |
| Gross profit | $154.7M | $212.7M | $225.1M | $270.1M | $186.3M | $317.6M | |
| Operating income | $112.3M | $168.3M | $178.9M | $174.8M | $139.7M | $223.1M | |
| Net income | $89.2M | $134.1M | $141.6M | $138.6M | $112.6M | $175.9M | |
| Diluted EPS | $3.83 | $5.76 | $6.09 | $5.99 | $4.88 | $7.72 | |
| Gross margin | 36.5% | 45.3% | 45.2% | 55.9% | 39.9% | 57.9% | |
| Operating margin | 26.5% | 35.8% | 36.0% | 36.2% | 29.9% | 40.7% |
Fiscal years (4-quarter sums)FY21 $639.8M · FY22 $829.2M · FY23 $1.22B · FY24 $1.59B · FY25 $1.87B
Balance sheet, Jun 30, 2026Cash & short-term investments $210.5M · Total debt $224.5M · Total assets $6.43B · Shareholders' equity $2.04B
Dividends
Raised for 8 straight years — most recently to $0.25 from $0.17 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 28, 2026 | Aug 28 | Sep 14 | $0.25 | |
| May 28, 2026 | May 28 | Jun 11 | $0.25 | |
| Feb 26, 2026 | Feb 26 | Mar 12 | $0.25 | raised from $0.17 |
| Nov 28, 2025 | Nov 28 | Dec 11 | $0.17 | |
| Aug 29, 2025 | Aug 29 | Sep 11 | $0.17 | |
| May 29, 2025 | May 29 | Jun 12 | $0.17 | |
| Feb 27, 2025 | Feb 27 | Mar 13 | $0.17 | raised from $0.15 |
| Nov 29, 2024 | Nov 29 | Dec 13 | $0.15 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 22.78M · Float 21.51M · 94.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Bamco Inc /NY/ | 2.66M | 11.70% | 13F | Aug 14, 2026 |
| BlackRock, Inc. | 2.04M | 8.94% | 13F | Aug 7, 2026 |
| Capital World Investors | 1.28M | 5.62% | 13F | Aug 12, 2026 |
| Vanguard Capital Management | 1.16M | 5.02% | 13G | Jul 31, 2026 |
| Michael P. Kehoe · director, officer: Chairman President and CEO | 912.8K | 4.01% | Form 4 | May 6, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 8, 2026 | Christopher R. Tangard | officer: SVP, Chief Accounting Officer | +330 | $304.00 |
| May 26, 2026 | Salmaan K. Allibhai | officer: Chief Analytics & Tech Officer | −250 | $311.17 |
| May 5, 2026 | Michael P. Kehoe | director, officer: Chairman President and CEO | −22,576 | $302.66 |
| Feb 26, 2026 | Frederick L. Jr. Russell | director | −4,000 | $379.50 |
| Feb 26, 2026 | Robert V. III Hatcher | director | −150 | $379.68 |
Peers
- W. R. Berkley
Broad U.S. E&S underwriting for complex commercial risks
- RLI
Specialty E&S property and casualty underwriting nationwide
- American International Group
Lexington surplus-lines coverage for commercial businesses
- Chubb
Westchester E&S products for specialty commercial exposures
- Arch Capital Group
Specialty E&S casualty and property insurance capacity
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Kinsale Capital Group | $385.00 | +1.13% | $8.67B | 15.4 | 18.1 | 4.3 | −3.7% |
| W. R. Berkley | $70.65 | +3.20% | $25.48B | 14.1 | 14.5 | 1.4 | +1.2% |
| RLI | $64.31 | +0.03% | $5.90B | 13.5 | 23.8 | 3.0 | +16.0% |
| American International Group | $76.93 | 0.00% | $40.79B | 14.1 | 9.2 | 1.5 | +0.8% |
| Chubb | $340.37 | +0.13% | $131.14B | 12.0 | 12.2 | 2.1 | −1.3% |
| Arch Capital Group | $97.15 | −1.71% | $34.53B | 7.7 | 10.5 | 1.8 | −22.3% |
| Median | 13.5 | 12.2 | 1.8 | +0.8% |