Key Takeaways KNSL is focusing on smaller E&S risks as competition rises in large shared and layered property accounts.More than half of KNSL's divisions posted double-digit submission growth in Q2 2026.Kinsale's 75.5% combined ratio highlights strong underwriting performance despite softer E&S pricing. Kinsale Capital Group, Inc. (KNSL - Free Report) is leveraging its focus on small and mid-sized accounts to support growth in the excess and surplus (E&S) market, where pricing has started to soften. The strategy allows Kinsale to focus on less competitive areas while maintaining underwriting discipline.
The E&S market remains attractive as insurers provide customized coverage for complex and hard-to-place risks. However, competition has increased, particularly in large shared and layered property accounts. Kinsale is responding by focusing on smaller risks, where business activity remains stronger.
In the second quarter of 2026, more than half of Kinsale's divisions recorded double-digit submission growth, while activity in accounts with premiums of $25,000 or less continued to expand. Growth is also expanding beyond large commercial property risks. Kinsale launched nine new products or product enhancements in the first half of 2026, helping it capture opportunities across different E&S classes.
This strategy gives Kinsale greater flexibility in a softer market. The company can prioritize underwriting profitability by avoiding poorly priced business and focusing on risks that meet its return requirements. Its proprietary technology and analytics further support efficient underwriting and risk selection.
Kinsale’s underwriting performance remains a key strength. Its second-quarter combined ratio was 75.5%, supporting strong underwriting profitability despite the challenging pricing environment.
The softer E&S market remains a risk to premium growth. However, strong business activity outside large property accounts, a small-account focus and disciplined underwriting should help Kinsale protect margins and support profitable growth.
What About Its Peers?Among KNSL’s peers, RLI Corp. (RLI - Free Report) is taking a selective approach as competition increases in E&S property, focusing on risks where pricing adequately reflects the underlying exposure. Meanwhile, W.R. Berkley (WRB - Free Report) is using its decentralized underwriting model to walk away from risks when pricing does not provide adequate returns. This approach allows W.R. Berkley to prioritize profitability over premium volume as competition increases across property and casualty markets.
Both RLI and Berkley are emphasizing risk selection over premium growth as pricing softens. Kinsale’s focus on small and mid-sized E&S accounts could help it target areas where pricing remains more attractive.
KNSL’s Price PerformanceShares of Kinsale Capital have declined 18.3% in a year against the industry’s 1.6% growth.
Image Source: Zacks Investment Research
KNSL’s OvervaluationThe stock is overvalued compared with its industry. It is currently trading at a price-to-book value multiple of 4.19, higher than the industry average of 1.43.
Image Source: Zacks Investment Research
KNSL’s Growth ProjectionThe Zacks Consensus Estimate for Kinsale’s 2026 earnings per share (EPS) indicates a year-over-year increase of 8.2%.
The consensus estimate for revenues is pegged at $1.98 billion, implying a year-over-year improvement of 5.5%.
The consensus estimate for 2027 EPS and revenues indicates an increase of 1.9% and 0.8%, respectively, from the corresponding 2026 estimates.
The Zacks Consensus Estimate for 2026 earnings moved 0.3% north while the 2027 metric has remained unchanged over the last 30 days.
Image Source: Zacks Investment Research
KNSL stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Bank of New York Mellon Corp ve 2. čtvrtletí koupila nový podíl v Kinsale Capital Group za zhruba 45,6 mil. USD a držela 0,61 % společnosti. Kinsale zároveň oznámila EPS 5,54 USD a tržby 548,52 mil. USD, obojí nad odhady.
Bank of New York Mellon Corp purchased a new stake in Kinsale Capital Group, Inc. (NYSE:KNSL – Free Report) during the 2nd quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 138,246 shares of the financial services provider’s stock, valued at approximately $45,595,000. Bank of New York Mellon Corp owned 0.61% of Kinsale Capital Group at the end of the most recent reporting period.
A number of other hedge funds also recently made changes to their positions in KNSL. Isthmus Partners LLC acquired a new stake in Kinsale Capital Group in the 4th quarter valued at $8,110,000. Life Cycle Investment Partners Ltd acquired a new stake in Kinsale Capital Group in the 4th quarter valued at about $229,653,000. Stephens Investment Management Group LLC raised its position in Kinsale Capital Group by 37.7% in the 4th quarter. Stephens Investment Management Group LLC now owns 208,075 shares of the financial services provider’s stock worth $81,382,000 after purchasing an additional 56,916 shares during the last quarter. Handelsbanken Fonder AB raised its position in shares of Kinsale Capital Group by 9.6% during the fourth quarter. Handelsbanken Fonder AB now owns 57,000 shares of the financial services provider’s stock worth $22,294,000 after acquiring an additional 5,000 shares during the last quarter. Finally, Cumberland Partners Ltd bought a new stake in Kinsale Capital Group during the 4th quarter worth about $2,347,000. Institutional investors and hedge funds own 85.36% of the company’s stock.
Analyst Upgrades and Downgrades A number of analysts recently weighed in on KNSL shares. Morgan Stanley increased their price target on shares of Kinsale Capital Group from $345.00 to $390.00 and gave the company an “equal weight” rating in a research report on Wednesday, August 19th. Wells Fargo & Company raised their price target on Kinsale Capital Group from $366.00 to $377.00 and gave the stock an “equal weight” rating in a research report on Monday, July 27th. JPMorgan Chase & Co. lifted their price objective on Kinsale Capital Group from $380.00 to $390.00 and gave the company a “neutral” rating in a report on Monday, July 20th. Weiss Ratings upgraded Kinsale Capital Group from a “sell (d+)” rating to a “hold (c-)” rating in a research report on Wednesday, August 19th. Finally, TD Cowen restated a “hold” rating on shares of Kinsale Capital Group in a report on Tuesday, June 16th. One research analyst has rated the stock with a Buy rating, seven have assigned a Hold rating and two have issued a Sell rating to the company’s stock. According to data from MarketBeat.com, Kinsale Capital Group has a consensus rating of “Reduce” and an average target price of $368.78.
Get Our Latest Report on KNSL Kinsale Capital Group Stock Down 1.4% KNSL stock opened at $381.66 on Friday. The company has a debt-to-equity ratio of 0.11, a current ratio of 0.09 and a quick ratio of 0.09. The stock has a market capitalization of $8.69 billion, a P/E ratio of 15.46, a P/E/G ratio of 1.22 and a beta of 0.89. Kinsale Capital Group, Inc. has a fifty-two week low of $287.20 and a fifty-two week high of $485.00. The business has a 50-day moving average of $352.95 and a 200-day moving average of $344.72.
Kinsale Capital Group (NYSE:KNSL – Get Free Report) last announced its earnings results on Thursday, July 23rd. The financial services provider reported $5.54 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $5.11 by $0.43. Kinsale Capital Group had a return on equity of 25.54% and a net margin of 28.49%.The business had revenue of $548.52 million for the quarter, compared to analyst estimates of $445.13 million. During the same quarter last year, the firm earned $4.78 EPS. Kinsale Capital Group’s revenue for the quarter was up 16.8% compared to the same quarter last year. On average, sell-side analysts anticipate that Kinsale Capital Group, Inc. will post 21.1 earnings per share for the current fiscal year.
Kinsale Capital Group Announces Dividend The firm also recently announced a quarterly dividend, which will be paid on Monday, September 14th. Investors of record on Friday, August 28th will be given a $0.25 dividend. The ex-dividend date of this dividend is Friday, August 28th. This represents a $1.00 dividend on an annualized basis and a yield of 0.3%. Kinsale Capital Group’s dividend payout ratio (DPR) is 4.05%.
Insider Activity In related news, CAO Christopher R. Tangard bought 330 shares of the stock in a transaction that occurred on Monday, June 8th. The shares were acquired at an average price of $304.00 per share, with a total value of $100,320.00. Following the completion of the transaction, the chief accounting officer owned 380 shares in the company, valued at $115,520. The trade was a 660.00% increase in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which can be accessed through the SEC website. Corporate insiders own 5.60% of the company’s stock.
(Free Report)
Kinsale Capital Group, Inc (NYSE:KNSL) is a specialty property and casualty insurance company headquartered in Richmond, Virginia. Established in 2009, the company focuses on underwriting complex and underserved risks across the United States. Kinsale operates through a network of wholesale brokers and independent agencies, offering tailored coverage solutions for a range of niche industries.
The company’s product portfolio includes general liability, business auto, professional liability, environmental liability, inland marine, cyber liability, and other specialty lines.
See Also Five stocks we like better than Kinsale Capital Group Nutanix’s Rally Has a Bigger Story Than Earnings as AMD’s AI Bet Takes Shape SEC Probe Puts Wall Street Leverage Risk Back in Focus A Bearish-Dollar Options Surge Raises the Stakes for Warsh at Jackson Hole Five Below’s Turnaround Is Working—But Has the Stock Run Too Far? Want to see what other hedge funds are holding KNSL? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Kinsale Capital Group, Inc. (NYSE:KNSL – Free Report).
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Aurora Investment Counsel bought a new position in Kinsale Capital Group, Inc. (NYSE:KNSL – Free Report) in the 2nd quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm bought 7,130 shares of the financial services provider’s stock, valued at approximately $2,352,000. Kinsale Capital Group accounts for 1.2% of Aurora Investment Counsel’s portfolio, making the stock its 23rd largest position.
Several other hedge funds and other institutional investors have also made changes to their positions in the company. AQR Capital Management LLC increased its position in Kinsale Capital Group by 76.2% during the 1st quarter. AQR Capital Management LLC now owns 835 shares of the financial services provider’s stock worth $397,000 after purchasing an additional 361 shares during the period. EverSource Wealth Advisors LLC lifted its stake in shares of Kinsale Capital Group by 72.9% in the second quarter. EverSource Wealth Advisors LLC now owns 102 shares of the financial services provider’s stock valued at $49,000 after purchasing an additional 43 shares during the period. Brown Advisory Inc. boosted its holdings in Kinsale Capital Group by 7.9% during the second quarter. Brown Advisory Inc. now owns 1,117 shares of the financial services provider’s stock worth $541,000 after buying an additional 82 shares in the last quarter. Jump Financial LLC grew its position in Kinsale Capital Group by 136.9% during the second quarter. Jump Financial LLC now owns 1,097 shares of the financial services provider’s stock worth $531,000 after buying an additional 634 shares during the period. Finally, Cerity Partners LLC increased its holdings in Kinsale Capital Group by 45.3% in the second quarter. Cerity Partners LLC now owns 5,021 shares of the financial services provider’s stock valued at $2,430,000 after buying an additional 1,566 shares in the last quarter. Hedge funds and other institutional investors own 85.36% of the company’s stock.
Insider Buying and Selling In other news, CAO Christopher R. Tangard acquired 330 shares of the stock in a transaction on Monday, June 8th. The stock was bought at an average price of $304.00 per share, with a total value of $100,320.00. Following the completion of the transaction, the chief accounting officer directly owned 380 shares of the company’s stock, valued at $115,520. The trade was a 660.00% increase in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which can be accessed through the SEC website. Also, insider Salmaan K. Allibhai sold 250 shares of Kinsale Capital Group stock in a transaction that occurred on Tuesday, May 26th. The shares were sold at an average price of $311.17, for a total transaction of $77,792.50. Following the sale, the insider owned 3,645 shares in the company, valued at $1,134,214.65. This represents a 6.42% decrease in their position. The disclosure for this sale is available in the SEC filing. 5.60% of the stock is owned by corporate insiders.
Wall Street Analysts Forecast Growth A number of research analysts have recently weighed in on KNSL shares. TD Cowen restated a “hold” rating on shares of Kinsale Capital Group in a research report on Tuesday, June 16th. Morgan Stanley boosted their price target on Kinsale Capital Group from $345.00 to $390.00 and gave the company an “equal weight” rating in a report on Wednesday. JPMorgan Chase & Co. increased their price objective on shares of Kinsale Capital Group from $380.00 to $390.00 and gave the stock a “neutral” rating in a report on Monday, July 20th. Wells Fargo & Company boosted their price objective on shares of Kinsale Capital Group from $366.00 to $377.00 and gave the company an “equal weight” rating in a research note on Monday, July 27th. Finally, Wall Street Zen upgraded Kinsale Capital Group from a “sell” rating to a “hold” rating in a report on Saturday, June 20th. One equities research analyst has rated the stock with a Buy rating, six have issued a Hold rating and three have given a Sell rating to the company’s stock. Based on data from MarketBeat, the stock currently has an average rating of “Reduce” and a consensus price target of $368.78. Get Our Latest Research Report on KNSL
Kinsale Capital Group Trading Up 2.1% Shares of KNSL opened at $380.55 on Thursday. The stock’s 50-day moving average is $343.87 and its two-hundred day moving average is $345.39. The stock has a market cap of $8.67 billion, a PE ratio of 15.42, a P/E/G ratio of 1.18 and a beta of 0.89. Kinsale Capital Group, Inc. has a 12 month low of $287.20 and a 12 month high of $485.00. The company has a debt-to-equity ratio of 0.11, a current ratio of 0.09 and a quick ratio of 0.09.
Kinsale Capital Group (NYSE:KNSL – Get Free Report) last issued its earnings results on Thursday, July 23rd. The financial services provider reported $5.54 earnings per share for the quarter, topping the consensus estimate of $5.11 by $0.43. Kinsale Capital Group had a return on equity of 25.54% and a net margin of 28.49%.The company had revenue of $548.52 million during the quarter, compared to the consensus estimate of $445.13 million. During the same quarter in the prior year, the business earned $4.78 earnings per share. The company’s revenue was up 16.8% compared to the same quarter last year. Equities analysts forecast that Kinsale Capital Group, Inc. will post 21.1 earnings per share for the current fiscal year.
Kinsale Capital Group Announces Dividend The business also recently declared a quarterly dividend, which will be paid on Monday, September 14th. Shareholders of record on Friday, August 28th will be issued a $0.25 dividend. This represents a $1.00 dividend on an annualized basis and a yield of 0.3%. The ex-dividend date is Friday, August 28th. Kinsale Capital Group’s dividend payout ratio is currently 4.05%.
Kinsale Capital Group Company Profile (Free Report)
Kinsale Capital Group, Inc (NYSE:KNSL) is a specialty property and casualty insurance company headquartered in Richmond, Virginia. Established in 2009, the company focuses on underwriting complex and underserved risks across the United States. Kinsale operates through a network of wholesale brokers and independent agencies, offering tailored coverage solutions for a range of niche industries.
The company’s product portfolio includes general liability, business auto, professional liability, environmental liability, inland marine, cyber liability, and other specialty lines.
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Kinsale Capital Group, Inc. (KNSL - Free Report) reported $548.52 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 16.8%. EPS of $5.54 for the same period compares to $4.78 a year ago.
The reported revenue represents a surprise of +12.31% over the Zacks Consensus Estimate of $488.4 million. With the consensus EPS estimate being $5.10, the EPS surprise was +8.63%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Kinsale Capital Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Expense Ratio: 21.7% versus the five-analyst average estimate of 21.4%.Combined Ratio: 75.5% compared to the 78.6% average estimate based on five analysts.Loss Ratio: 53.8% versus 57.3% estimated by five analysts on average.Revenues- Net investment income: $55.74 million compared to the $58.48 million average estimate based on five analysts. The reported number represents a change of +19.9% year over year.Revenues- Other income: $0.32 million compared to the $0.27 million average estimate based on five analysts. The reported number represents a change of +85.9% year over year.Revenues- Net Earned Premiums: $417.6 million versus $405.33 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +8.9% change.Revenues- Fee Income: $11.94 million versus the four-analyst average estimate of $11.65 million. The reported number represents a year-over-year change of +10.6%.View all Key Company Metrics for Kinsale Capital Group here>>>
Shares of Kinsale Capital Group have returned +4.9% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Kinsale Capital Group (NYSE:KNSL – Get Free Report) is projected to post its Q2 2026 results after the market closes on Thursday, July 23rd. Analysts expect the company to post earnings of $5.09 per share and revenue of $445.1350 million for the quarter. Interested persons may visit the the company’s upcoming Q2 2026 earning results page for the latest details on the call scheduled for Friday, July 24, 2026 at 9:00 AM ET.
Kinsale Capital Group (NYSE:KNSL – Get Free Report) last posted its quarterly earnings data on Thursday, April 23rd. The financial services provider reported $5.11 EPS for the quarter, topping analysts’ consensus estimates of $4.70 by $0.41. The firm had revenue of $466.71 million during the quarter, compared to analysts’ expectations of $410.25 million. Kinsale Capital Group had a return on equity of 25.82% and a net margin of 27.48%.The firm’s quarterly revenue was down .5% compared to the same quarter last year. During the same quarter last year, the business posted $3.71 EPS. On average, analysts expect Kinsale Capital Group to post $21 EPS for the current fiscal year and $22 EPS for the next fiscal year.
Kinsale Capital Group Price Performance NYSE:KNSL opened at $350.31 on Tuesday. The firm has a market cap of $8.08 billion, a price-to-earnings ratio of 15.42, a price-to-earnings-growth ratio of 1.11 and a beta of 0.90. The company has a current ratio of 0.10, a quick ratio of 0.10 and a debt-to-equity ratio of 0.11. The company’s 50-day moving average is $318.62 and its two-hundred day moving average is $350.60. Kinsale Capital Group has a 12-month low of $287.20 and a 12-month high of $512.76.
Kinsale Capital Group Dividend Announcement The company also recently disclosed a quarterly dividend, which was paid on Thursday, June 11th. Investors of record on Thursday, May 28th were paid a dividend of $0.25 per share. The ex-dividend date of this dividend was Thursday, May 28th. This represents a $1.00 annualized dividend and a dividend yield of 0.3%. Kinsale Capital Group’s dividend payout ratio is presently 4.40%.
Insiders Place Their Bets In other news, insider Salmaan K. Allibhai sold 250 shares of the firm’s stock in a transaction dated Tuesday, May 26th. The stock was sold at an average price of $311.17, for a total value of $77,792.50. Following the transaction, the insider directly owned 3,645 shares in the company, valued at $1,134,214.65. This trade represents a 6.42% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is available through this hyperlink. Also, CEO Michael P. Kehoe sold 22,576 shares of Kinsale Capital Group stock in a transaction that occurred on Tuesday, May 5th. The shares were sold at an average price of $302.66, for a total transaction of $6,832,852.16. Following the transaction, the chief executive officer directly owned 308,048 shares in the company, valued at approximately $93,233,807.68. This trade represents a 6.83% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. 5.60% of the stock is currently owned by insiders.
Institutional Trading of Kinsale Capital Group A number of institutional investors have recently added to or reduced their stakes in the business. Invesco Ltd. boosted its position in shares of Kinsale Capital Group by 0.5% in the fourth quarter. Invesco Ltd. now owns 276,090 shares of the financial services provider’s stock worth $107,984,000 after buying an additional 1,366 shares during the period. Mercer Global Advisors Inc. ADV boosted its holdings in Kinsale Capital Group by 8.8% in the 4th quarter. Mercer Global Advisors Inc. ADV now owns 2,491 shares of the financial services provider’s stock worth $974,000 after acquiring an additional 201 shares during the period. Cim LLC boosted its holdings in Kinsale Capital Group by 4.5% in the 4th quarter. Cim LLC now owns 3,146 shares of the financial services provider’s stock worth $1,230,000 after acquiring an additional 136 shares during the period. Empowered Funds LLC grew its position in Kinsale Capital Group by 238.1% in the fourth quarter. Empowered Funds LLC now owns 8,497 shares of the financial services provider’s stock valued at $3,323,000 after acquiring an additional 5,984 shares in the last quarter. Finally, XTX Topco Ltd acquired a new stake in Kinsale Capital Group in the fourth quarter valued at approximately $4,409,000. 85.36% of the stock is owned by hedge funds and other institutional investors.
Analyst Ratings Changes KNSL has been the topic of a number of recent analyst reports. Royal Bank Of Canada reduced their price target on Kinsale Capital Group from $385.00 to $375.00 and set a “sector perform” rating on the stock in a research note on Monday, April 27th. Wall Street Zen raised Kinsale Capital Group from a “sell” rating to a “hold” rating in a research report on Saturday, June 20th. JPMorgan Chase & Co. upped their target price on Kinsale Capital Group from $380.00 to $390.00 and gave the company a “neutral” rating in a research note on Monday. Wells Fargo & Company increased their target price on Kinsale Capital Group from $357.00 to $366.00 and gave the stock an “equal weight” rating in a research report on Thursday, July 9th. Finally, Truist Financial decreased their price target on Kinsale Capital Group from $450.00 to $405.00 and set a “buy” rating on the stock in a research note on Monday, April 27th. One investment analyst has rated the stock with a Buy rating, seven have assigned a Hold rating and three have assigned a Sell rating to the company’s stock. According to data from MarketBeat.com, the company currently has an average rating of “Reduce” and an average price target of $373.80.
View Our Latest Report on Kinsale Capital Group
Kinsale Capital Group Company Profile (Get Free Report)
Kinsale Capital Group, Inc (NYSE:KNSL) is a specialty property and casualty insurance company headquartered in Richmond, Virginia. Established in 2009, the company focuses on underwriting complex and underserved risks across the United States. Kinsale operates through a network of wholesale brokers and independent agencies, offering tailored coverage solutions for a range of niche industries.
The company’s product portfolio includes general liability, business auto, professional liability, environmental liability, inland marine, cyber liability, and other specialty lines.
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KNSL těží ze silné poptávky na trhu E&S a nízkých dvouciferných růstů sazeb napříč byznysem. Firma navíc podpořila návrat kapitálu zpět zpětným odkupem akcií za 62,5 mil. USD v 1. čtvrtletí 2026.
Key Takeaways KNSL gains from strong E&S market demand and low double-digit rate increases across its business. Proprietary technology, analytics and disciplined underwriting support lower loss ratios, and profitability. KNSL combines dividend growth with share buyback, including $62.5 million of buybacks in first-quarter 2026. Kinsale Capital Group, Inc. (KNSL - Free Report) has been trading above its 50-day simple moving average (SMA), signaling a short-term bullish trend. Its share price, as of July 2, 2026, was $354.85, down 30.8% from its 52-week high of $512.76.
The 50-day SMA is a key indicator for traders and analysts to identify support and resistance levels. It is considered particularly important as this is the first marker of an uptrend or downtrend.
Image Source: Zacks Investment Research
With a market capitalization of $8.18 billion, the average number of shares traded in the last three months was 0.3 million.
KNSL’s Price PerformanceShares of this property and casualty insurer have lost 25.5% over the past year against the industry’s 3.6% growth.
Image Source: Zacks Investment Research
KNSL Shares are OvervaluedKinsale Capital shares are trading at a premium to the Zacks Property and Casualty Insurance industry. Its price-to-book value of 4.16X is higher than the industry average of 1.45X.
American Financial Group, Inc. (AFG - Free Report) and Arch Capital Group Ltd. (ACGL - Free Report) shares are also trading at premiums of 2.54 and 1.56, respectively. However, shares of CNA Financial Corporation (CNA - Free Report) are trading at a multiple lower than the industry average. CNA Financial is trading at 1.27.
KNSL’s Growth Projection EncouragesThe Zacks Consensus Estimate for Kinsale Capital’s 2026 earnings per share indicates a year-over-year increase of 5.8%. The consensus estimate for revenues is pegged at $1.92 billion, implying a year-over-year improvement of 2.4%.
The consensus estimate for 2027 earnings per share and revenues indicates an increase of 5.4% and 5.8%, respectively, from the corresponding 2026 estimates.
Earnings have grown 38% in the past five years, better than the industry average of 22.7%. The expected long-term earnings growth rate is 15%, outperforming the industry average of 7.1%.
Kinsale Capital has an impressive Growth Score of B. This style score helps analyze the growth prospects of a company.
Earnings Surprise HistoryKinsale Capital surpassed earnings estimates in each of the last four quarters, the average being 8.88%.
KNSL’s Favorable Return on CapitalKinsale Capital’s return on equity (ROE) of 25.8% for the trailing 12 months compared favorably with the industry’s 7.4%, reflecting the company’s efficiency in utilizing shareholders’ funds. This insurer targets mid-teens ROE over the long term.
Also, return on invested capital (ROIC) has been increasing over the last few quarters as the company raised its capital investment over the same time frame, reflecting KNSL’s efficiency in utilizing funds to generate income. KNSL’s ROIC of 22.7% for the trailing 12 months compared favorably with the industry’s 5.7%.
Average Target Price for KNSL Suggests UpsideBased on short-term price targets offered by nine analysts, the Zacks average price target is $348.33 per share. The average suggests a potential 0.8% upside from the last closing price.
What’s Driving KNSL StockA strong presence across the excess and supply (E&S) market in the United States and high retention rates stemming from contract renewals should drive improved premiums. Management noted that the E&S market has grown significantly and generated better underwriting results than the broader P&C industry. It remains well-positioned to benefit from continued market dislocation, aiding improved submission flows and better pricing decisions.
KNSL has been successfully delivering improved margins and lower loss ratios. The insurer targets clients with small and medium-sized accounts with better pricing and is less prone to competition. Management estimates low double-digit rate increases across the book of business.
Kinsale Capital enjoys the best combination of high growth and low combined ratio among its peers. It targets a combined ratio in the mid-80s range over the long term.
KNSL is well-positioned to generate an improved expense ratio, given its proprietary technology platform, which is likely to provide it with a competitive edge over other industry players and scalability in business. The insurer drives profitability and operational efficiency using analytics.
Despite a low-interest-rate environment, investment income should benefit from the investment of excess operating funds.
Notably, its free cash flow conversion has remained more than 85% over the last few quarters, reflecting its solid earnings.
ConclusionKinsale Capital is poised to gain from its focus on the E&S market, prudent underwriting, lower expense ratio, growth in the investment portfolio and effective capital deployment.
The insurer has an impressive dividend history, increasing dividends since 2017 at an eight-year CAGR of 33%, riding on the strength of operational excellence that supports a solid capital position. As part of wealth distribution, Kinsale Capital repurchased $62.5 million worth of shares during the first quarter of 2026 and had $187.5 million remaining under its repurchase authorization as of March 31, 2026, supporting ongoing capital return alongside organic growth. All these shareholder-friendly moves make the stock an attractive investment pick.
However, given its expensive valuation, it is better to wait for some more time before taking a call on this Zacks Rank #3 (Hold) stock. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
