Sep 2026 (Q3 FY26) β Oct 23, 2026
Kinsale Capital Group Q3 FY26 β Strong Profitability Amidst Competitive Market
Read the full callKinsale Capital Group (KNSL) earnings
- Sep 2026
- Sep 2026 (Q3 FY26)
- Dec 2025
Kinsale Capital Group earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 455 | β8.6% YoY | Quarterly, as filed | Quarter to Sep 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Sep 2026 | Not in the filed figures for the quarter to sep 2026. No older figure is substituted. | ||
| Net profit | 98.1 | β30.7% YoY | Quarterly, as filed | Quarter to Sep 2026 | Profit after tax as filed. |
Price
$364.49 β6.69% Β· β$26.15
Performance β19.5% 1Y
1Y: $452.6 on 22 Oct 2025 β $364.49. High $453.15 (23 Oct 2025), low $290.2 (3 Jun 2026).
- Previous close
- $390.64
- 52-week range
- $290.2 β $453.15
- One year
- β19.57%
Overview
- Symbol
- KNSL
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Jun 2026 (Q2 FY26) β Jul 24, 2026
Kinsale Capital Group Q2 FY26 β Strong Profitability Amidst Competitive Market
Read the full callMar 2026 (Q1 FY26) β Apr 24, 2026
Kinsale Capital Group Q1 FY26 β Strong Profitability Amidst Competitive E&S Market
Read the full callEvery analysed call
Kinsale Capital Group earnings calls (KNSL)
Financials
What the filings say
Net profit, year on year: β31% (quarter to sep 2026 against sep 2025).
| Line item | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 412 | 423 | 470 | 498 | 483 | 467 | 549 | 455 |
| Profit before tax | 139 | 112 | 168 | 179 | 175 | 140 | 220 | 124 |
| Tax rate | 21.3% | 20.6% | 20.3% | 20.8% | 20.7% | 19.4% | 20.0% | 20.6% |
| Net profit | 109 | 89 | 134 | 142 | 139 | 113 | 176 | 98 |
| EPS ($ per share) | β | 3.85 | 5.79 | 6.12 | β | 4.90 | 7.73 | 4.36 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 107 | 163 | 243 | 386 | 533 | 828 | 1,229 | 1,717 |
| Total liabilities | 509 | 685 | 971 | 1,326 | 2,002 | 2,686 | 3,403 | 4,084 |
| Fixed assets | 2 | 23 | 46 | 49 | 53 | 63 | 83 | 89 |
| Investments | 0 | 0 | 0 | 0 | β | β | β | β |
| Total assets | 773 | 1,091 | 1,547 | 2,026 | 2,747 | 3,773 | 4,887 | 6,044 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 104 | 178 | 280 | 407 | 558 | 860 | 976 | 1,044 |
| Cash from investing | -107 | -231 | -379 | -352 | -709 | -861 | -960 | -922 |
| Cash from financing | -4 | 78 | 76 | -11 | 186 | -29 | -30 | -71 |
| Capital expenditure | -1 | -20 | -33 | -6 | -7 | -7 | -24 | -54 |
| Free cash flow | 103 | 159 | 247 | 401 | 551 | 853 | 952 | 990 |
KNSL revenue by segment
| Segment | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|
| Excess and Surplus Lines | 100% | 100% | 100% | 100% | 100% | 100% | 100% | -8.6% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies β Segment Shift
KNSL operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Combined ratio | 77.4%Kinsale's combined ratio was 77.4%.Source: earnings call transcript | 75.5%Kinsale's sales combined ratio was 75.5% for the quarter.Source: earnings call transcript | 75.4%Kinsale's combined ratio was 75.4% for the quarter.Source: earnings call transcript | -0.1 pt |
| Average policy premium | $12.2KIt was $12,200 per policy, down from $14,200 and in the first quarter of 2025.Source: earnings call transcript | ~$12KWith an average premium of approximately $12,000, our platform is built around smaller accounts, and that part of the market remained active in the quarter.Source: earnings call transcript | β | β |
| Insurance float | $3.3BKinsale's float, mostly unpaid losses and unearned premium grew to $3.3 billion at March 31 from $3.1 billion at the end of 2025.Source: earnings call transcript | $3.4BKinsale sales float, mostly on paid losses and unearned premium grew to $3.4 billion at June 30, up from $3.1 billion at the end of 2025.Source: earnings call transcript | $3.5BKinsale's sales float increased to $3.5 billion at September 30, up from $3.1 billion at year-end 2025.Source: earnings call transcript | +2.9% |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
62 filings between Nov 19, 2025 and Jun 8, 2026.
Open market
decisions to buy or sellPurchases
$1.15M
15 purchases by 2 insiders
Sales
$10.71M
11 sales by 5 insiders
Compensation
not trading decisions- 15
- Award β granted as compensation
- 4
- Option exercise β converted options into shares
- 7
- Tax withheld β shares kept back by the company to cover tax
Also filed: 10 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Kehoe Michael P | β | $6.83M | May 5, 2026 |
| Petrucelli Bryan P. | β | $1.93M | Feb 27, 2026 |
| Russell Frederick L. Jr. | β | $1.82M | Feb 26, 2026 |
| SHARE GREGORY M | $1.05M | β | Dec 15, 2025 |
| Tangard Christopher R. | $100.3K | β | Jun 8, 2026 |
| Allibhai Salmaan K. | β | $77.8K | May 26, 2026 |
| Hatcher Robert V. III | β | $57.0K | Feb 26, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Jun 8, 2026 | Tangard Christopher R. SVP, Chief Accounting Officer | Purchase | 330 | $100.3K |
| May 26, 2026 | Allibhai Salmaan K. Chief Analytics & Tech Officer | Option exercise | 600 | $9.6K |
| May 26, 2026 | Allibhai Salmaan K. Chief Analytics & Tech Officer | Sale | 250 | $77.8K |
| May 21, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Gift | 26,108 | $0 |
| May 21, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Gift | 26,108 | $0 |
| May 8, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Gift | 1,757 | $0 |
| May 8, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Gift | 1,757 | $0 |
| May 5, 2026 | Kehoe Michael P Chairman President and CEO | Sale | 5,357 | $1.62M |
| May 5, 2026 | Kehoe Michael P Chairman President and CEO | Option exercise | 22,576 | $361.2K |
| May 5, 2026 | Kehoe Michael P Chairman President and CEO | Sale | 9,673 | $2.93M |
| May 5, 2026 | Kehoe Michael P Chairman President and CEO | Sale | 638 | $194.4K |
| May 5, 2026 | Kehoe Michael P Chairman President and CEO | Sale | 5,028 | $1.53M |
| May 5, 2026 | Kehoe Michael P Chairman President and CEO | Sale | 1,720 | $517.3K |
| May 5, 2026 | Kehoe Michael P Chairman President and CEO | Sale | 160 | $49.0K |
| May 4, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Gift | 1,442 | $0 |
| May 4, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Gift | 1,442 | $0 |
| Mar 1, 2026 | Beachy Mark J. EVP and Chief Claims Officer | Award | 2,053 | $0 |
| Mar 1, 2026 | Winston Stuart P EVP, Chief UW Officer | Tax withheld | 421 | $164.1K |
| Mar 1, 2026 | Kehoe Michael P Chairman and CEO | Award | 7,698 | $0 |
| Mar 1, 2026 | Tangard Christopher R. SVP, Chief Accounting Officer | Tax withheld | 121 | $47.2K |
| Mar 1, 2026 | Tangard Christopher R. SVP, Chief Accounting Officer | Award | 898 | $0 |
| Mar 1, 2026 | Beachy Mark J. EVP and Chief Claims Officer | Tax withheld | 762 | $296.9K |
| Mar 1, 2026 | Schnupp Diane D. EVP, Chief Information Officer | Tax withheld | 728 | $283.7K |
| Mar 1, 2026 | Schnupp Diane D. EVP, Chief Information Officer | Award | 1,924 | $0 |
| Mar 1, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Tax withheld | 982 | $382.7K |
| Mar 1, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Award | 2,822 | $0 |
| Mar 1, 2026 | Kehoe Michael P Chairman and CEO | Tax withheld | 2,443 | $952.0K |
| Mar 1, 2026 | Haney Brian D. President and COO | Tax withheld | 953 | $371.4K |
| Mar 1, 2026 | Winston Stuart P EVP, Chief UW Officer | Award | 1,411 | $0 |
| Feb 27, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Sale | 5,100 | $1.93M |
| Feb 27, 2026 | Petrucelli Bryan P. EVP, CFO and Treasurer | Option exercise | 5,100 | $81.6K |
| Feb 26, 2026 | Russell Frederick L. Jr. Director | Sale | 4,000 | $1.52M |
| Feb 26, 2026 | Russell Frederick L. Jr. Director | Option exercise | 4,000 | $64.0K |
| Feb 26, 2026 | Hatcher Robert V. III Director | Sale | 150 | $57.0K |
| Feb 25, 2026 | SHARE GREGORY M Director | Gift | 354 | β |
| Feb 25, 2026 | SHARE GREGORY M Director | Gift | 354 | β |
| Feb 24, 2026 | Russell Frederick L. Jr. Director | Sale | 801 | $299.7K |
| Jan 1, 2026 | Kronenberg Anne C. Director | Award | 460 | $179.9K |
| Jan 1, 2026 | Hatcher Robert V. III Director | Award | 460 | $179.9K |
| Jan 1, 2026 | FORTIN MARY JANE Director | Award | 460 | $179.9K |
| Jan 1, 2026 | Haney Brian D. President and COO | Award | 460 | $179.9K |
| Jan 1, 2026 | Russell Frederick L. Jr. Director | Award | 460 | $179.9K |
| Jan 1, 2026 | Lippincott Robert III Director | Award | 460 | $179.9K |
| Jan 1, 2026 | SHARE GREGORY M Director | Award | 460 | $179.9K |
| Jan 1, 2026 | BENSINGER STEVEN J Director | Award | 460 | $179.9K |
| Jan 1, 2026 | Chia Teresa Director | Award | 460 | $179.9K |
| Dec 19, 2025 | Kehoe Michael P Chairman and CEO | Gift | 250 | $0 |
| Dec 15, 2025 | SHARE GREGORY M Director | Purchase | 322 | $126.2K |
| Dec 15, 2025 | SHARE GREGORY M Director | Purchase | 599 | $234.3K |
| Dec 15, 2025 | SHARE GREGORY M Director | Purchase | 532 | $207.6K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table β absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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