Kinsale Capital Group, Inc.
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KNSL FY 2025 request
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| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Premiums Written Gross | 1,977,171 | 1,870,341 | +5.7% |
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| Agribusiness | 13,671 | 5,850 | +133.7% |
| Agribusiness - Property | 8,669 | — | — |
| Allied Health [Member] | 96,982 | 83,058 | +16.8% |
| Aviation | 9,659 | 8,591 | +12.4% |
| Commercial Auto | 48,721 | 35,047 | +39.0% |
| Commercial Property [Member] | 374,451 | 456,170 | -17.9% |
| Construction | 147,601 | 148,558 | -0.6% |
| Energy [Member] | 46,102 | 42,710 | +7.9% |
| Entertainment | 70,049 | 55,168 | +27.0% |
| Environmental [Member] | 31,559 | 30,372 | +3.9% |
| Excess Casualty [Member] | 276,998 | 245,137 | +13.0% |
| Excess Professional | 41,453 | 32,633 | +27.0% |
| General Casualty [Member] | 207,888 | 169,162 | +22.9% |
| Health Care | 25,821 | 23,179 | +11.4% |
| High Value Homeowners | 36,062 | 26,844 | +34.3% |
| Inland Marine [Member] | 33,525 | 27,184 | +23.3% |
| Life Sciences [Member] | 35,284 | 36,252 | -2.7% |
| Management Liability [Member] | 18,582 | 21,705 | -14.4% |
| Ocean Marine | 3,761 | 3,655 | +2.9% |
| Personal Insurance [Member] | 23,727 | 22,090 | +7.4% |
| Product Recall | 2,686 | 2,397 | +12.1% |
| Products Liability [Member] | 67,883 | 67,035 | +1.3% |
| Professional Liability Insurance | 33,091 | 35,104 | -5.7% |
| Property And Casualty Commercial Insurance Product Line | 1,917,382 | 1,821,407 | +5.3% |
| Property And Casualty Personal Insurance Product Line | 59,789 | 48,934 | +22.2% |
| Public Entity [Member] | 18,121 | 20,047 | -9.6% |
| Small Business [Member] | 202,412 | 195,593 | +3.5% |
| Small Property | 102,413 | 76,800 | +33.4% |
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| Major Insurance Brokers, Group One [Member] · Sales Revenue Net | 371.2 | — | — |
| Major Insurance Brokers, Group Three [Member] · Sales Revenue Net | 231.2 | — | — |
| Major Insurance Brokers, Group Two [Member] · Sales Revenue Net | 339 | — | — |
| Ceded Premiums Written | -361,154 | -392,993 | +8.1% |
| Premiums Written Net | 1,616,017 | 1,477,348 | +9.4% |
| Increase Decrease In Unearned Premiums Net | -40,175 | -126,878 | +68.3% |
| Premiums Earned Net | 1,575,842 | 1,350,470 | +16.7% |
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| Excess and Surplus Lines Segment · Operating Segments | 1,575,842 | 1,350,470 | +16.7% |
| Insurance Fee Income | 40,714 | 34,118 | +19.3% |
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| Excess and Surplus Lines Segment · Operating Segments | 40,714 | 34,118 | +19.3% |
| Net Investment Income | 192,192 | 150,287 | +27.9% |
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| Excess and Surplus Lines Segment · Operating Segments | 192,192 | 150,287 | +27.9% |
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| Parent Company | 1,186 | 641 | +85.0% |
| Equity Securities Fv Ni Unrealized Gain Loss | 58,836 | 43,367 | +35.7% |
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| Excess and Surplus Lines Segment · Operating Segments | 58,836 | 43,367 | +35.7% |
| Marketable Securities Realized Gain Loss Excluding Other Than Temporary Impairments | 4,390 | 6,831 | -35.7% |
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| Excess and Surplus Lines Segment · Operating Segments | 4,390 | 6,831 | -35.7% |
| Debt Securities Available For Sale Excluding Accrued Interest Allowance For Credit Loss Period Increase Decrease | -2 | 526 | -100.4% |
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| Excess and Surplus Lines Segment · Operating Segments | -2 | 526 | -100.4% |
| Other Income | 2,015 | 1,926 | +4.6% |
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| Excess and Surplus Lines Segment · Operating Segments | 2,015 | 1,926 | +4.6% |
| Revenue | 1,873,987 | 1,587,525 | +18.0% |
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| Excess and Surplus Lines Segment · Operating Segments | 1,873,987 | 1,587,525 | +18.0% |
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| Parent Company | 22,008 | 17,410 | +26.4% |
| Parent Company · Related Party | 20,822 | 16,769 | +24.2% |
| Policyholder Benefits And Claims Incurred Net | 890,693 | 772,899 | +15.2% |
| Underwritingacquisitionandinsuranceexpenses | 336,696 | 285,808 | +17.8% |
| Interest Expense Debt | 10,646 | 10,134 | +5.1% |
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| Excess and Surplus Lines Segment · Operating Segments | 10,646 | — | — |
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| Parent Company | 10,646 | 10,134 | +5.1% |
| Other Expenses | 1,650 | 3,968 | -58.4% |
| Total Costs & Expenses | 1,239,685 | 1,072,809 | +15.6% |
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| Parent Company | 32,584 | 27,942 | +16.6% |
| Income Before Taxes | 634,302 | 514,716 | +23.2% |
| Income Tax Expense (Benefit) | 130,688 | 99,873 | +30.9% |
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| Excess and Surplus Lines Segment · Operating Segments | 130,688 | 99,873 | +30.9% |
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| Parent Company | -6,996 | -12,346 | +43.3% |
| Net Income | 503,614 | 414,843 | +21.4% |
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| Excess and Surplus Lines Segment · Operating Segments | 503,614 | 414,843 | +21.4% |
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| Retained Earnings | 503,614 | 414,843 | +21.4% |
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| Parent Company | 503,614 | 414,843 | +21.4% |
| Other Comprehensive Income | 66,514 | -2,589 | +2669.1% |
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| Accumulated Other Comprehensive Income | 66,514 | -2,589 | +2669.1% |
| Comprehensive Income | 570,128 | 412,254 | +38.3% |
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| Parent Company | 570,128 | 412,254 | +38.3% |
| EPS (Basic) | 21.76 | 17.92 | +21.4% |
| EPS (Diluted) | 21.65 | 17.78 | +21.8% |
| Wtd Avg Shares (Basic) | 23,140 | 23,153 | -0.1% |
| Wtd Avg Shares (Diluted) | 23,259 | 23,332 | -0.3% |
| Selling, General & Administrative (FY) | — | — | — |
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| Excess and Surplus Lines Segment · Operating Segments | 27,347 | 24,190 | +13.1% |
| Net Income Loss Available To Common Stockholders Basic | 503,614 | 414,843 | +21.4% |
| Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 | 890,693 | 772,899 | +15.2% |
| Income Loss From Equity Method Investments (FY) | — | — | — |
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| Parent Company | 507,194 | 413,029 | +22.8% |
| Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments (FY) | — | — | — |
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| Parent Company | -10,576 | -10,532 | -0.4% |
| Labor And Related Expense | 128.9 | 109.3 | +17.9% |
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| Excess and Surplus Lines Segment · Operating Segments | 128,917 | 109,319 | +17.9% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents (Q) | — | — | — |
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| Parent Company | 49,969 | 12,336 | +305.1% |
| Non-Current Assets | |||
| Deferred Tax Assets | 42,191 | 60,215 | -29.9% |
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| Parent Company | 2,388 | 2,527 | -5.5% |
| Total Assets | 6,043,561 | 4,886,704 | +23.7% |
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| Parent Company | 2,190,465 | 1,672,634 | +31.0% |
| Property, Plant & Equipment | 89,431 | 82,924 | +7.8% |
| Other Assets | |||
| Equity Securities Fv Ni | 626,399 | 398,359 | +57.2% |
| Real Estate Investments | 55,236 | 15,045 | +267.1% |
| Other Short Term Investments | 3,864 | 3,714 | +4.0% |
| Investments | 5,026,949 | 3,954,681 | +27.1% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 163,361 | 113,213 | +44.3% |
| Accrued Investment Income Receivable | 30,971 | 27,366 | +13.2% |
| Premiums Receivable At Carrying Value | 124,593 | 140,027 | -11.0% |
| Reinsurance Recoverables On Paid And Unpaid Losses | 394,329 | 337,891 | +16.7% |
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| Credit Risk Reinsurer Five [Member] | 24.6 | — | — |
| Credit Risk Reinsurer Four [Member] | 30.8 | — | — |
| Credit Risk Reinsurer One [Member] | 95.8 | — | — |
| Credit Risk Reinsurer Three [Member] | 37.9 | — | — |
| Credit Risk Reinsurer Two [Member] | 46.3 | — | — |
| Prepaid Reinsurance Premiums | 44,506 | 52,736 | -15.6% |
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| Credit Risk Reinsurer Five [Member] | 4 | — | — |
| Credit Risk Reinsurer Four [Member] | 4.5 | — | — |
| Credit Risk Reinsurer One [Member] | 9.8 | — | — |
| Credit Risk Reinsurer Three [Member] | 4.7 | — | — |
| Credit Risk Reinsurer Two [Member] | 5.3 | — | — |
| Deferred Policy Acquisition Costs | 118,737 | 109,263 | +8.7% |
| Indefinite Lived Intangible Assets Excluding Goodwill | 3,538 | 3,538 | 0.0% |
| Other Assets | 94,386 | 87,774 | +7.5% |
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| Parent Company | 648 | 664 | -2.4% |
| Non-Current Liabilities | |||
| Accounts Payable And Accrued Liabilities Current And Noncurrent | 66,301 | 55,159 | +20.2% |
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| Parent Company | 2,752 | 2,001 | +37.5% |
| Long-Term Debt | 224,397 | 184,122 | +21.9% |
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| Parent Company | 224,397 | 184,122 | +21.9% |
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| Senior Notes | 175,000 | — | — |
| Total Liabilities | 4,083,978 | 3,403,143 | +20.0% |
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| Parent Company | 230,882 | 189,073 | +22.1% |
| Other Liabilities | |||
| Debt Securities Available For Sale Excluding Accrued Interest | 4,341,450 | 3,537,563 | +22.7% |
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| Asset Backed Securities | 588,519 | 732,742 | -19.7% |
| Commercial Mortgage Backed Securities | 451,039 | 205,105 | +119.9% |
| Corporate Debt Securities | 1,713,888 | 1,989,490 | -13.9% |
| Residential Mortgage Backed Securities | 1,459,270 | 448,874 | +225.1% |
| US States And Political Subdivisions | 127,860 | 146,304 | -12.6% |
| US Treasury And Government | 874 | 15,048 | -94.2% |
| Liability For Claims And Claims Adjustment Expense | 2,890,870 | 2,285,668 | +26.5% |
| Unearned Premiums | 860,394 | 828,449 | +3.9% |
| Reinsurance Payable | 34,385 | 43,959 | -21.8% |
| Other Liabilities | 7,631 | 5,786 | +31.9% |
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| Parent Company | 130 | 108 | +20.4% |
| Common Stock Shares Issued | 23,380,413 | 23,294,783 | +0.4% |
| Debt Securities Available For Sale Amortized Cost Allowance For Credit Loss Excluding Accrued Interest | 29 | 27 | +7.4% |
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| Corporate Debt Securities | 26 | 23 | +13.0% |
| US States And Political Subdivisions | 3 | 3 | 0.0% |
| Stockholders' Equity | |||
| Common Stock | 234 | 233 | +0.4% |
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| Parent Company | 234 | 233 | +0.4% |
| Additional Paid In Capital Common Stock | 373,681 | 361,398 | +3.4% |
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| Parent Company | 373,681 | 361,398 | +3.4% |
| Retained Earnings | 1,716,945 | 1,229,136 | +39.7% |
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| Parent Company | 1,716,945 | 1,229,136 | +39.7% |
| Accumulated Other Comprehensive Income | -30,692 | -97,206 | +68.4% |
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| Parent Company | -30,692 | -97,206 | +68.4% |
| Treasury Stock Common Shares | 234,662 | 22,626 | +937.1% |
| Treasury Stock Value | -100,585 | -10,000 | -905.9% |
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| Parent Company | -100,585 | -10,000 | -905.9% |
| Total Stockholders' Equity | 1,959,583 | 1,483,561 | +32.1% |
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| Accumulated Other Comprehensive Income | -30,692 | -97,206 | +68.4% |
| Additional Paid In Capital | 373,681 | 361,398 | +3.4% |
| Common Stock | 234 | 233 | +0.4% |
| Retained Earnings | 1,716,945 | 1,229,136 | +39.7% |
| Treasury Stock Common | 100,585 | 10,000 | +905.9% |
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| Parent Company | 1,959,583 | 1,483,561 | +32.1% |
| Total Liabilities & Equity | 6,043,561 | 4,886,704 | +23.7% |
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| Parent Company | 2,190,465 | 1,672,634 | +31.0% |
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.0% |
| Common Stock Shares Authorized | 400,000,000 | 400,000,000 | 0.0% |
| Common Stock Shares Outstanding | 23,145,751 | 23,272,157 | -0.5% |
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| Common Stock | 23,145,751 | 23,272,157 | -0.5% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Gain Loss On Investments | -4,390 | -6,831 | +35.7% |
| Change In Allowance For Credit Losses On Investments | -2 | 526 | -100.4% |
| Deferred Income Taxes | 343 | -3,828 | +109.0% |
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| Parent Company | 139 | -854 | +116.3% |
| Depreciation And Amortization | 5,834 | 5,802 | +0.6% |
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| Excess and Surplus Lines Segment · Operating Segments | 4,777 | 4,686 | +1.9% |
| Stock-Based Compensation | 17,884 | 14,146 | +26.4% |
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| Parent Company | 17,884 | 14,146 | +26.4% |
| Increase Decrease In Accrued Investment Income Receivable | -3,605 | -5,677 | +36.5% |
| Increase Decrease In Premiums Receivable | 15,434 | 3,185 | +384.6% |
| Increase Decrease In Liability For Claims And Claims Adjustment Expense Reserve | 605,202 | 592,793 | +2.1% |
| Increase Decrease In Unearned Premiums | 31,945 | 127,098 | -74.9% |
| Increase Decrease In Prepaid Reinsurance Premiums | -57,782 | -93,898 | +38.5% |
| Increase Decrease In Deferred Policy Acquisition Costs | -9,474 | -20,868 | +54.6% |
| Increase Decrease In Accrued Income Taxes Payable | 761 | -359 | +312.0% |
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| Parent Company | 761 | -359 | +312.0% |
| Increase Decrease In Accounts Payable And Accrued Liabilities | 10,861 | 8,936 | +21.5% |
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| Parent Company | 164 | -41 | +500.0% |
| Increase Decrease In Other Operating Capital Net | -14,055 | -15,148 | +7.2% |
| Net Cash from Operations | 1,043,738 | 976,301 | +6.9% |
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| Parent Company | 139,013 | 35,911 | +287.1% |
| Investing Activities | |||
| Capital Expenditures | -53,685 | -23,943 | -124.2% |
| Payments For Proceeds From Short Term Investments | 559 | 2,056 | -72.8% |
| Purchases of Investments | -2,494,190 | -1,557,541 | -60.1% |
| Payments To Acquire Equity Securities Fv Ni | -183,234 | -156,477 | -17.1% |
| Proceeds From Sale Of Available For Sale Securities Debt | 1,167,652 | 289,360 | +303.5% |
| Proceeds From Sale Of Equity Securities Fv Ni | 14,585 | 34,380 | -57.6% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 626,103 | 452,352 | +38.4% |
| Net Cash from Investing | -922,210 | -960,125 | +3.9% |
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| Parent Company | -30,000 | -11,000 | -172.7% |
| Financing Activities | |||
| Proceeds From Lines Of Credit | 40,000 | — | — |
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| Parent Company | 40,000 | — | — |
| Tax Withholding for Share Compensation | -6,281 | -7,047 | +10.9% |
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| Parent Company | -6,281 | -7,047 | +10.9% |
| Proceeds From Stock Options Exercised | 681 | 1,330 | -48.8% |
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| Parent Company | 681 | 1,330 | -48.8% |
| Payments Of Dividends | -15,782 | -13,940 | -13.2% |
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| Parent Company | -15,782 | -13,940 | -13.2% |
| Share Repurchases | -89,998 | -10,000 | -800.0% |
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| Parent Company | -89,998 | -10,000 | -800.0% |
| Net Cash from Financing | -71,380 | -29,657 | -140.7% |
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| Parent Company | -71,380 | -29,657 | -140.7% |
| Supplemental | |||
| Income Taxes Paid | 129.6 | 104.1 | +24.5% |
| Interest Paid | 10.4 | 10.3 | +1.0% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | 50,148 | -13,481 | +472.0% |
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| Parent Company | 37,633 | -4,746 | +892.9% |
Values in thousands USD. Source: SEC EDGAR 10-K filing.