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Kinsale Capital Group, Inc. (KNSL) Q2 2026 Earnings Call Transcript

Update! What Is Congress Trading So Far In 2025? Kinsale Capital Group NYSE: KNSL reported higher second-quarter operating earnings and continued underwriting profitability despite what management described as a competitive and softening excess-and-surplus, or E&S, insurance market.

Chairman, President and Chief Executive Officer Michael Kehoe said diluted operating earnings per share rose 15.9% from the second quarter of 2025 to $5.54. The company generated an annualized operating return on equity of 24.4% and posted a combined ratio of 75.5% for the quarter.

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2 Real-Estate Related Stocks Showing Signs Of Being UndervaluedGross written premium declined 5% year over year, while net written premium fell 1.4%. Net earned premium increased 8.9%. Kehoe said the company is prioritizing underwriting profitability over top-line expansion as competition varies substantially by market segment.

Commercial property pressures weigh on premium Kinsale said competition was most intense in its Commercial Property Division, which writes larger layered property accounts. Kehoe said the market has experienced material rate declines and broader coverage terms, describing the environment as a buyer's market.

Don't Overlook Hidden Gem Kinsale As Rallies To New HighsAs a result, Kinsale is writing a smaller volume of business in that division. Excluding Commercial Property, gross written premium grew 3.7% in the second quarter and 4.8% in the first half of 2026.

Chief Underwriting Officer Stuart Winston said the company will not pursue growth that compromises returns. He cited favorable underwriting conditions and meaningful growth in excess casualty, commercial auto, entertainment, environmental, agribusiness casualty and energy. Construction and certain professional lines, meanwhile, remained among the areas facing softer conditions.

New-business submissions increased 6% during the quarter. Excluding Commercial Property, submissions increased 8%, with more than half of Kinsale's divisions recording double-digit submission growth. Winston said the strongest activity came from small and medium-sized accounts, particularly those with premiums of $25,000 or less. Kinsale's average premium is approximately $12,000.

The company said its combined pricing trend was in line with the MS Amlin pricing index, which showed a 5.9% decrease in the second quarter, compared with a 3.3% decrease in the first quarter.

Underwriting results and reserve position Chief Financial Officer Bryan Petrucelli said net income increased 31.1% year over year, while net operating earnings increased 13.3%. The 75.5% combined ratio included 4.5 percentage points of favorable prior-year loss reserve development, compared with 3.9 points a year earlier. Catastrophe losses accounted for 1.3 points, versus less than one point in the 2025 quarter.

The expense ratio rose to 21.7% from 20.7%, reflecting a higher net commission ratio associated with larger reinsurance retentions. Petrucelli said the increased retention represented a favorable economic trade because the higher commission ratio is more than offset by increased underwriting and investment income.

Other underwriting expenses, which Petrucelli characterized as a measure of operating efficiency, declined to 10.3% from 10.6%.

Chief Analytics and Technology Officer Salmaan Allibhai said losses came in below management's expectations during the quarter, consistent with recent quarters. He attributed the results to normal variability and business mix rather than a specific unusual factor, and said reserves remain as conservative as they have been in the company’s history.

On casualty trends, Allibhai said Kinsale estimates loss-cost trends in the mid-single digits, varying by line of business. He said the company’s concentration in smaller accounts and lower limits has limited its exposure to social inflation relative to some other insurers.

Investment income, technology and capital allocation Net investment income rose 19.9% from the prior-year quarter, driven by growth in the investment portfolio from operating cash flow. Kinsale's float, largely consisting of unpaid losses and unearned premiums, reached $3.4 billion at June 30, up from $3.1 billion at the end of 2025.

The company reported an annualized gross investment return of 4.5% for the first half, compared with 4.3% a year earlier. New-money yields averaged about 5.25%, and the fixed-maturity portfolio had an average duration of roughly 4.25 years.

Management also highlighted investments in analytics, automation and artificial intelligence. Allibhai said Kinsale has consolidated its analytics and technology operations into one team, using its 17 years of company data, third-party data sources, statistical models and machine-learning tools to refine underwriting and pricing.

The company has deployed AI tools across analytics, technology, underwriting and claims functions, including functionality integrated into proprietary underwriting worksheets. Winston said workflow improvements and technology upgrades have helped Kinsale maintain or improve service levels while expanding its product and distribution capabilities.

Kinsale introduced nine product offerings or enhancements so far in 2026. Five additional launches were described as imminent, with another 10 in the pipeline. The company appointed 24 new wholesale brokers and 176 new retail brokers to Aspera, its in-house broker for most personal lines products. Kinsale expanded its stock-repurchase authorization by $250 million, bringing total current authorization to $337 million. Kehoe said repurchases are the company’s principal capital-allocation strategy while growth is more limited, though he said expanding growth would remain the first priority as market conditions improve.

About Kinsale Capital Group (NYSE:KNSL)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.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].

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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.

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Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.

Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.

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As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.

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Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: Kinsale Capital Group, Inc. (KNSL - Free Report) Headquartered in Richmond, VA, Kinsale Capital was established in 2009. It offers various insurance and reinsurance productsacross all 50 states of the United States, the District of Columbia, the Commonwealth of Puerto Rico and the U.S. Virgin Islands. It operates primarily through two markets – Commercial and Personal. While personal lines include homeowners insurance; commercial lines offerings cover construction, small business, excess casualty, commercial property, product   liability, allied health, general casualty, management liability, inland marine, commercial insurance and public entity.

KNSL is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.

It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 15.72; value investors should take notice.

Four analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.15 to $20.72 per share. KNSL boasts an average earnings surprise of +8.9%.

With a solid Zacks Rank and top-tier Value and VGM Style Scores, KNSL should be on investors' short list.

It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.

The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.

Zacks Premium also includes the Zacks Style Scores.

What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.

Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.

The Style Scores are broken down into four categories:

Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.

Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.

Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.

VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.

How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.

Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.

This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.

That's where the Style Scores come in.

To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.

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Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: Kinsale Capital Group, Inc. (KNSL - Free Report) Headquartered in Richmond, VA, Kinsale Capital was established in 2009. It offers various insurance and reinsurance productsacross all 50 states of the United States, the District of Columbia, the Commonwealth of Puerto Rico and the U.S. Virgin Islands. It operates primarily through two markets – Commercial and Personal. While personal lines include homeowners insurance; commercial lines offerings cover construction, small business, excess casualty, commercial property, product   liability, allied health, general casualty, management liability, inland marine, commercial insurance and public entity.

KNSL is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.

Additionally, the company could be a top pick for growth investors. KNSL has a Growth Style Score of B, forecasting year-over-year earnings growth of 6.2% for the current fiscal year.

Four analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.15 to $20.72 per share. KNSL boasts an average earnings surprise of +8.9%.

With a solid Zacks Rank and top-tier Growth and VGM Style Scores, KNSL should be on investors' short list.

Posted by Defense World Staff on Jul 21st, 2026

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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Kinsale Capital Group, Inc. (KNSL - Free Report) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price.

The earnings report, which is expected to be released on July 23, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower.

While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.

Zacks Consensus EstimateThis company is expected to post quarterly earnings of $5.09 per share in its upcoming report, which represents a year-over-year change of +6.5%.

Revenues are expected to be $475.6 million, up 1.2% from the year-ago quarter.

Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 0.2% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.

Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change.

Price, Consensus and EPS Surprise

Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction).

The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.

Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.

A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.

Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).

How Have the Numbers Shaped Up for Kinsale Capital Group?For Kinsale Capital Group, the Most Accurate Estimate is higher than the Zacks Consensus Estimate, suggesting that analysts have recently become bullish on the company's earnings prospects. This has resulted in an Earnings ESP of +1.33%.

On the other hand, the stock currently carries a Zacks Rank of #3.

So, this combination indicates that Kinsale Capital Group will most likely beat the consensus EPS estimate.

Does Earnings Surprise History Hold Any Clue?Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.

For the last reported quarter, it was expected that Kinsale Capital Group would post earnings of $4.7 per share when it actually produced earnings of $5.11, delivering a surprise of +8.72%.

Over the last four quarters, the company has beaten consensus EPS estimates four times.

Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.

That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.

Kinsale Capital Group appears a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.

An Industry Player's Expected ResultsThe Hartford Insurance Group (HIG - Free Report) , another stock in the Zacks Insurance - Property and Casualty industry, is expected to report earnings per share of $3.13 for the quarter ended June 2026. This estimate points to a year-over-year change of -8.2%. Revenues for the quarter are expected to be $5.19 billion, up 6% from the year-ago quarter.

The consensus EPS estimate for The Hartford Insurance Group has been revised 2.4% lower over the last 30 days to the current level. However, a lower Most Accurate Estimate has resulted in an Earnings ESP of -1.82%.

When combined with a Zacks Rank of #4 (Sell), this Earnings ESP makes it difficult to conclusively predict that The Hartford Insurance Group will beat the consensus EPS estimate. Over the last four quarters, the company surpassed consensus EPS estimates three times.

Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.

If you are looking for a stock that has a solid history of beating earnings estimates and is in a good position to maintain the trend in its next quarterly report, you should consider Kinsale Capital Group, Inc. (KNSL - Free Report) . This company, which is in the Zacks Insurance - Property and Casualty industry, shows potential for another earnings beat.

This company has seen a nice streak of beating earnings estimates, especially when looking at the previous two reports. The average surprise for the last two quarters was 9.17%.

For the most recent quarter, Kinsale Capital Group was expected to post earnings of $4.7 per share, but it reported $5.11 per share instead, representing a surprise of 8.72%. For the previous quarter, the consensus estimate was $5.3 per share, while it actually produced $5.81 per share, a surprise of 9.62%.

Price and EPS Surprise

Thanks in part to this history, there has been a favorable change in earnings estimates for Kinsale Capital Group lately. In fact, the Zacks Earnings ESP (Expected Surprise Prediction) for the stock is positive, which is a great indicator of an earnings beat, particularly when combined with its solid Zacks Rank.

Our research shows that stocks with the combination of a positive Earnings ESP and a Zacks Rank #3 (Hold) or better produce a positive surprise nearly 70% of the time. In other words, if you have 10 stocks with this combination, the number of stocks that beat the consensus estimate could be as high as seven.

The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a version of the Zacks Consensus whose definition is related to change. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.

Kinsale Capital Group currently has an Earnings ESP of +3.16%, which suggests that analysts have recently become bullish on the company's earnings prospects. This positive Earnings ESP when combined with the stock's Zacks Rank #3 (Hold) indicates that another beat is possibly around the corner. We expect the company's next earnings report to be released on July 23, 2026.

Investors should note, however, that a negative Earnings ESP reading is not indicative of an earnings miss, but a negative value does reduce the predictive power of this metric.

Many companies end up beating the consensus EPS estimate, but that may not be the sole basis for their stocks moving higher. On the other hand, some stocks may hold their ground even if they end up missing the consensus estimate.

Because of this, it's really important to check a company's Earnings ESP ahead of its quarterly release to increase the odds of success. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.

For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.

Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.

It also includes access to the Zacks Style Scores.

What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.

Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.

The Style Scores are broken down into four categories:

Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.

Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.

Momentum ScoreMomentum investors, who live by the saying "the trend is your friend," are most interested in taking advantage of upward or downward trends in a stock's price or earnings outlook. Utilizing one-week price change and the monthly percentage change in earnings estimates, among other factors, the Momentum Style Score can help determine favorable times to buy high-momentum stocks.

VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.

How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.

It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.

But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.

That's where the Style Scores come in.

You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.

The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.

For instance, a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one that boasts Scores of A and B, still has a downward-trending earnings forecast, and a much greater likelihood its share price will decline as well.

Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: Kinsale Capital Group, Inc. (KNSL - Free Report) Headquartered in Richmond, VA, Kinsale Capital was established in 2009. It offers various insurance and reinsurance productsacross all 50 states of the United States, the District of Columbia, the Commonwealth of Puerto Rico and the U.S. Virgin Islands. It operates primarily through two markets – Commercial and Personal. While personal lines include homeowners insurance; commercial lines offerings cover construction, small business, excess casualty, commercial property, product   liability, allied health, general casualty, management liability, inland marine, commercial insurance and public entity.

KNSL is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.

Additionally, the company could be a top pick for growth investors. KNSL has a Growth Style Score of B, forecasting year-over-year earnings growth of 5.8% for the current fiscal year.

For fiscal 2026, three analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.11 to $20.65 per share. KNSL boasts an average earnings surprise of +8.9%.

With a solid Zacks Rank and top-tier Growth and VGM Style Scores, KNSL should be on investors' short list.

RICHMOND, Va.--(BUSINESS WIRE)--Kinsale Capital Group, Inc. (NYSE: KNSL) announced today that it will release financial results for the second quarter of 2026 after the market closes on Thursday, July 23, 2026.

The Company will host a conference call to discuss its results with analysts and investors on Friday, July 24, 2026, beginning at 9:00 a.m. (Eastern Time). The release will also be available on the Company’s website, www.kinsalecapitalgroup.com.

To access the conference call, dial (833) 461-5787, conference ID# 761838118, or via the Internet by going to www.kinsalecapitalgroup.com and clicking on the “Investor Relations” link. Please visit the website at least 15 minutes before the call to register and download any necessary audio software. A replay of the call will be available on the website.

About Kinsale Capital Group, Inc.

Kinsale Capital Group, Inc. is a specialty insurance group headquartered in Richmond, Virginia, focusing on the excess and surplus lines market.

More News From Kinsale Capital Group, Inc.

In the latest trading session, Kinsale Capital Group, Inc. (KNSL - Free Report) closed at $332.02, marking a +1.09% move from the previous day. This move lagged the S&P 500's daily gain of 1.18%. On the other hand, the Dow registered a gain of 0.59%, and the technology-centric Nasdaq increased by 2.07%.

Heading into today, shares of the company had gained 7.76% over the past month, outpacing the Finance sector's gain of 1.96% and the S&P 500's loss of 2.9%.

Market participants will be closely following the financial results of Kinsale Capital Group, Inc. in its upcoming release. The company's earnings per share (EPS) are projected to be $4.99, reflecting a 4.39% increase from the same quarter last year. Our most recent consensus estimate is calling for quarterly revenue of $475.6 million, up 1.23% from the year-ago period.

Looking at the full year, the Zacks Consensus Estimates suggest analysts are expecting earnings of $20.65 per share and revenue of $1.92 billion. These totals would mark changes of +5.84% and +2.44%, respectively, from last year.

Additionally, investors should keep an eye on any recent revisions to analyst forecasts for Kinsale Capital Group, Inc. Such recent modifications usually signify the changing landscape of near-term business trends. With this in mind, we can consider positive estimate revisions a sign of optimism about the business outlook.

Our research reveals that these estimate alterations are directly linked with the stock price performance in the near future. To exploit this, we've formed the Zacks Rank, a quantitative model that includes these estimate changes and presents a viable rating system.

The Zacks Rank system, spanning from #1 (Strong Buy) to #5 (Strong Sell), boasts an impressive track record of outperformance, audited externally, with #1 ranked stocks yielding an average annual return of +25% since 1988. Over the last 30 days, the Zacks Consensus EPS estimate has moved 0.54% higher. Kinsale Capital Group, Inc. presently features a Zacks Rank of #3 (Hold).

Investors should also note Kinsale Capital Group, Inc.'s current valuation metrics, including its Forward P/E ratio of 15.9. This represents a premium compared to its industry average Forward P/E of 11.69.

It's also important to note that KNSL currently trades at a PEG ratio of 1.06. The PEG ratio is akin to the commonly utilized P/E ratio, but this measure also incorporates the company's anticipated earnings growth rate. As the market closed yesterday, the Insurance - Property and Casualty industry was having an average PEG ratio of 2.45.

The Insurance - Property and Casualty industry is part of the Finance sector. This industry currently has a Zacks Industry Rank of 97, which puts it in the top 40% of all 250+ industries.

The Zacks Industry Rank assesses the vigor of our specific industry groups by computing the average Zacks Rank of the individual stocks incorporated in the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.

Ensure to harness Zacks.com to stay updated with all these stock-shifting metrics, among others, in the next trading sessions.

Investors in Kinsale Capital Group (KNSL - Free Report) need to pay close attention to the stock based on moves in the options market lately. That is because the July 17, 2026 $200.00 Call had some of the highest implied volatility of all equity options today.

What is Implied Volatility?Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also mean there is an event coming up soon that may cause a big rally or a huge sell-off. However, implied volatility is only one piece of the puzzle when putting together an options trading strategy.

What do the Analysts Think?Clearly, options traders are pricing in a big move for Kinsale Capital, but what is the fundamental picture for the company? Currently, Kinsale Capital is a Zacks Rank #3 (Hold) in the Insurance - Property and Casualty Industry that ranks in the Top 38% of our Zacks Industry Rank. Over the last 60 days, one analyst has increased his earnings estimate for the current quarter, while two have dropped their estimates. The net effect has taken our Zacks Consensus Estimate for the current quarter to move from $5.02 per share to $4.99 per share in the same time period.

Given the way analysts feel about Kinsale Capital right now, this huge implied volatility could mean there’s a trade developing. Oftentimes, options traders look for options with high levels of implied volatility to sell premium. This is a strategy many seasoned traders use because it captures decay. At expiration, the hope for these traders is that the underlying stock does not move as much as originally expected.

Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.

The popular research service can help you become a smarter, more self-assured investor, giving you access to daily updates of the Zacks Rank and Zacks Industry Rank, the Zacks #1 Rank List, Equity Research reports, and Premium stock screens.

Zacks Premium also includes the Zacks Style Scores.

What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.

Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.

The Style Scores are broken down into four categories:

Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.

Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.

Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.

VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.

How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.

It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +24% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.

With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.

That's where the Style Scores come in.

To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.

As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.

Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.

Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: Kinsale Capital Group, Inc. (KNSL - Free Report) Headquartered in Richmond, VA, Kinsale Capital was established in 2009. It offers various insurance and reinsurance productsacross all 50 states of the United States, the District of Columbia, the Commonwealth of Puerto Rico and the U.S. Virgin Islands. It operates primarily through two markets – Commercial and Personal. While personal lines include homeowners insurance; commercial lines offerings cover construction, small business, excess casualty, commercial property, product   liability, allied health, general casualty, management liability, inland marine, commercial insurance and public entity.

KNSL is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.

Additionally, the company could be a top pick for growth investors. KNSL has a Growth Style Score of B, forecasting year-over-year earnings growth of 5.8% for the current fiscal year.

For fiscal 2026, seven analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.31 to $20.65 per share. KNSL boasts an average earnings surprise of +8.9%.

With a solid Zacks Rank and top-tier Growth and VGM Style Scores, KNSL should be on investors' short list.

RICHMOND, Va.--(BUSINESS WIRE)--Kinsale Capital Group, Inc. (NYSE: KNSL) (the “Company”) today announced the realignment of its Analytics and Technology groups under a single leader. As part of the realignment, Salmaan K. Allibhai has been promoted to Executive Vice President, Chief Analytics and Technology Officer to lead the Company’s data analytics and technology capabilities. In addition, Nicholas J. Kunkle has been promoted to Vice President, Chief Actuary and will manage the Analytics and Actuarial department.

“We are pleased to welcome Salmaan as part of Kinsale’s senior leadership team. Technology has always been a core competency at Kinsale that provides a high degree of efficiency, accuracy and speed across all of our business processes, and we employ a quantitative approach by using analytics to drive profitability and operational efficiency. By bringing these critical areas together under one leader, we are removing operational silos and creating stronger alignment across our data and technology strategies,” said Kinsale Capital Group Chairman, President and Chief Executive Officer, Michael P. Kehoe.

“Salmaan’s forward-thinking approach to data-driven solutions makes him an ideal leader to further develop the company’s end-to-end systems to ensure they continue to meet the changing needs of the business and to harness data to drive faster, smarter decisions across the company,” Mr. Kehoe added.

Mr. Allibhai joined the Company in April 2016 and has over 13 years of industry experience. During his tenure at the Company, Mr. Allibhai has served in positions of increasing responsibility on the leadership team, most recently as Senior Vice President and Chief Actuary before his promotion to Executive Vice President, Chief Analytics and Technology Officer. Mr. Allibhai earned a bachelor’s degree in Mathematical Decision Sciences and Economics from the University of North Carolina at Chapel Hill and is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Dr. Kunkle started with the Company in April 2024 as a Senior Actuary and was promoted to Managing Actuary in March 2025. Previously, he served as an actuary at GEICO and USAA, taking on roles of increasing leadership responsibility. Dr. Kunkle earned a bachelor’s degree in Music Performance, with a minor in Mathematics from Ithaca College, a master’s degree in Music Performance from Michigan State University, and a doctorate in Musical Arts and Performance from the University of Texas at Austin. Dr. Kunkle is a Fellow of the Casualty Actuarial Society.

Additionally, Diane Schnupp retired from her role as Executive Vice President and Chief Information Officer, effective April 29, 2026. Ms. Schnupp will continue in a consulting role for a period of time to ensure a smooth transition of responsibilities.

“I am thankful for Diane's leadership that has propelled our technology strategy forward over the last seven years,” said Mr. Kehoe. “Throughout her tenure, Diane had a meaningful impact on the success of our company, the development of our employees, and has set us up for continued success in the future.”

About Kinsale Capital Group, Inc.

Kinsale Capital Group, Inc. is a specialty insurance group headquartered in Richmond, Virginia, focusing on the excess and surplus lines market.

More News From Kinsale Capital Group, Inc.

It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.

The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.

Zacks Premium also includes the Zacks Style Scores.

What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.

Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.

The Style Scores are broken down into four categories:

Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.

Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.

Momentum ScoreMomentum investors, who live by the saying "the trend is your friend," are most interested in taking advantage of upward or downward trends in a stock's price or earnings outlook. Utilizing one-week price change and the monthly percentage change in earnings estimates, among other factors, the Momentum Style Score can help determine favorable times to buy high-momentum stocks.

VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.

How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.

Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.93% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.

With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.

That's where the Style Scores come in.

To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.

The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.

A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.

Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: Kinsale Capital Group, Inc. (KNSL - Free Report) Headquartered in Richmond, VA, Kinsale Capital was established in 2009. It offers various insurance and reinsurance productsacross all 50 states of the United States, the District of Columbia, the Commonwealth of Puerto Rico and the U.S. Virgin Islands. It operates primarily through two markets – Commercial and Personal. While personal lines include homeowners insurance; commercial lines offerings cover construction, small business, excess casualty, commercial property, product   liability, allied health, general casualty, management liability, inland marine, commercial insurance and public entity.

KNSL is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.

Additionally, the company could be a top pick for growth investors. KNSL has a Growth Style Score of B, forecasting year-over-year earnings growth of 5.3% for the current fiscal year.

Five analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $20.54 per share. KNSL also boasts an average earnings surprise of +8.9%.

With a solid Zacks Rank and top-tier Growth and VGM Style Scores, KNSL should be on investors' short list.

The report argues these metrics are fueled by “watered down” products sold to small businesses that often lack financial savvy regarding complex insurance terms.

Benzinga has reached out to Kinsale Capital for comment on the Bear Cave report.

Kinsale Capital Group stock is under selling pressure. What’s driving KNSL stock lower? Analyzing The KNSL Short Case And Low Retention RatesA primary concern raised in the report is Kinsale’s 60% retention rate, which The Bear Cave said falls far below the 90% average typically seen in the property-and-casualty insurance sector.

The Bear Cave suggested Kinsale has dramatically expanded the number of exclusions in its policies over the last five years, leading to increased litigation and a reputation for being “notorious for not paying” claims. This strategy is characterized as “charging more for less,” effectively leaving policyholders without real protection when losses occur.

Customer Complaints, Regulatory Oversight IssuesPublic records cited in the report detail numerous complaints, such as an armed security company claiming its policy specifically excluded firearms and professional liability. In another instance, a Colorado smoke shop’s $65,000 burglary claim was denied because an alarm was not set while an employee was still inside the building.

Additionally, small businesses in Georgia and Washington have alleged “unfair and unjust” audit fees and retroactive charges, while The Capitol Forum found that Kinsale closes claims without payment at a much higher rate than its industry competitors.

KNSL Shares Edge Lower Thursday MorningKNSL Price Action: Kinsale Capital shares were up 0.09% at $303.89 at the time of publication on Thursday. The stock is well off the highs of $311 for Thursday’s session and is currently trading near its 52-week low of $300.23, according to Benzinga Pro data.

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RICHMOND, Va.--(BUSINESS WIRE)--Kinsale Capital Group, Inc. (NYSE: KNSL) today announced that its Board of Directors declared a cash dividend of $0.25 per share of common stock. This dividend is payable on June 11, 2026 to all stockholders of record as of the close of business on May 28, 2026.

About Kinsale Capital Group, Inc.

Kinsale Capital Group, Inc. is a specialty insurance group headquartered in Richmond, Virginia, focusing on the excess and surplus lines market.

More News From Kinsale Capital Group, Inc.

In the latest close session, Kinsale Capital Group, Inc. (KNSL - Free Report) was down 1.04% at $304.77. The stock fell short of the S&P 500, which registered a gain of 0.22% for the day. Elsewhere, the Dow saw an upswing of 0.72%, while the tech-heavy Nasdaq appreciated by 0.21%.

Prior to today's trading, shares of the company had lost 4.83% lagged the Finance sector's gain of 1.12% and the S&P 500's gain of 6.04%.

Market participants will be closely following the financial results of Kinsale Capital Group, Inc. in its upcoming release. The company is expected to report EPS of $4.97, up 3.97% from the prior-year quarter. Meanwhile, the latest consensus estimate predicts the revenue to be $475.61 million, indicating a 1.23% increase compared to the same quarter of the previous year.

For the annual period, the Zacks Consensus Estimates anticipate earnings of $20.54 per share and a revenue of $1.92 billion, signifying shifts of +5.28% and +2.44%, respectively, from the last year.

Additionally, investors should keep an eye on any recent revisions to analyst forecasts for Kinsale Capital Group, Inc. These latest adjustments often mirror the shifting dynamics of short-term business patterns. With this in mind, we can consider positive estimate revisions a sign of optimism about the business outlook.

Our research reveals that these estimate alterations are directly linked with the stock price performance in the near future. To capitalize on this, we've crafted the Zacks Rank, a unique model that incorporates these estimate changes and offers a practical rating system.

The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. Over the past month, the Zacks Consensus EPS estimate has moved 0.01% higher. At present, Kinsale Capital Group, Inc. boasts a Zacks Rank of #3 (Hold).

Looking at valuation, Kinsale Capital Group, Inc. is presently trading at a Forward P/E ratio of 14.99. This valuation marks a premium compared to its industry average Forward P/E of 10.48.

Meanwhile, KNSL's PEG ratio is currently 1. The PEG ratio is akin to the commonly utilized P/E ratio, but this measure also incorporates the company's anticipated earnings growth rate. As of the close of trade yesterday, the Insurance - Property and Casualty industry held an average PEG ratio of 2.31.

The Insurance - Property and Casualty industry is part of the Finance sector. At present, this industry carries a Zacks Industry Rank of 100, placing it within the top 41% of over 250 industries.

The Zacks Industry Rank gauges the strength of our industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.

Remember to apply Zacks.com to follow these and more stock-moving metrics during the upcoming trading sessions.

Key Takeaways KNSL is gaining from strong E&S market demand, high retention rates and low double-digit rate increases. Proprietary technology and analytics support lower expenses, improved margins and underwriting profitability. Strong cash flow supports dividend growth and share repurchases alongside organic business expansion. Shares of Kinsale Capital Group, Inc. (KNSL - Free Report) have lost 36% in the past year compared with the industry’s decline of 6.8%.  
The insurer has a market capitalization of $7 billion. The average volume of shares traded in the last three months was 0.2 million.

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 3.56X is higher than the industry average of 1.34X.

American Financial Group, Inc. (AFG - Free Report) and Arch Capital Group Ltd. (ACGL - Free Report) shares are also trading at premiums of 2.28 and 1.35, 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 1.04.

KNSL’s Growth Projection EncouragesThe Zacks Consensus Estimate for Kinsale Capital’s 2026 earnings per share indicates a year-over-year increase of 5.2%. 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 6.5% and 6.2%, 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 7.2%.

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 $358 per share. The average suggests a potential 17.4% upside from the last closing price.

Image Source: Zacks Investment Research

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.

Kinsale Capital has sold off sharply, but core underwriting profitability and return on equity remain robust. KNSL's premium growth slowdown, especially in large commercial property, has pressured valuation, yet ex-Commercial Property growth and demand indicators remain positive. Management prioritizes underwriting discipline over chasing premium volume, maintaining sub-80 combined ratios and low-20s ROE despite competitive pressures.

Kinsale Capital remains a top-tier E&S insurer, with strong underwriting, low costs, and rapid float growth. Q1 2026 showed mixed results: gross written premiums fell 0.5%, but net income and investment income rose, and the combined ratio improved to 77.4%. KNSL's valuation has reset to mid-teens forward earnings, making it reasonably priced for its quality, though it still trades at a high book value multiple.

Key Takeaways KNSL operates solely through its Excess and Surplus Lines Insurance segment, its core growth engine. Focus on hard-to-place risks supports pricing flexibility, higher margins and strong underwriting results. Diversified E&S products and efficient underwriting systems help expand market share and earnings stability. Kinsale Capital Group, Inc. (KNSL - Free Report) focuses exclusively on the excess and surplus lines (E&S) market in the United States. KNSL operates through a single reportable segment, the Excess and Surplus Lines Insurance segment, which offers property and casualty ("P&C") insurance products through the E&S market.

The Excess and Surplus Lines Insurance segment primarily offers commercial excess and surplus lines liability and property insurance products through its underwriting divisions in the United States.

Kinsale Capital's Excess and Surplus Lines Insurance segment is the company's sole operating business and core growth engine. Its specialization in hard-to-place commercial risks, combined with disciplined underwriting and technology-driven efficiency, has enabled the company to consistently generate industry-leading underwriting profitability.

Kinsale Capital's exclusive focus on E&S insurance provides exposure to a growing specialty insurance market, strong pricing power and higher underwriting margins, less dependence on investment income, and opportunities to gain market share as standard insurers retreat from challenging risks.

The E&S Lines Insurance segment is the foundation of Kinsale Capital's business model. It aids the company by providing pricing flexibility, higher underwriting margins, premium growth opportunities, operational efficiency and a defensible competitive niche. As the E&S market continues to grow and standard insurers retreat from complex risks, Kinsale Capital is well-positioned to expand premiums and generate strong underwriting profits.

The E&S segment encompasses numerous product categories, including Commercial property, Excess casualty, Professional liability, Healthcare, Environmental liability, and Construction. This diversification helps reduce dependence on any single market and improves earnings stability.

Kinsale Capital believes that its consistent focus on the E&S market and its high levels of service, including the ability to quote, underwrite and bind insurance policies promptly through its efficient systems, allow it to better serve its brokers and position it to profitably increase its market share.

What About Its Peers?Axis Capital Holdings Limited (AXS - Free Report) , a global specialty underwriter, has a strategic focus on specialty products, including professional liability, cyber insurance, marine and aviation. AXS has been witnessing an increase in its top line over a considerable period of time on the back of higher net premiums. Its well-performing Insurance segment largely contributes to improving premiums. It continues to boost shareholder value through stock buybacks and dividend hikes.

Palomar Holdings, Inc. (PLMR - Free Report) has been displaying a good track record of net written premiums driven by increased volume of policies written across the lines of business, driven by new business generated with existing partners, strong premium retention rates for existing business, expansion of its products’ geographic and distribution footprint, and new partnerships. Backed by a sustained operational performance, the company has maintained a solid capital position.

KNSL’s Price PerformanceShares of KNSL have lost 34% in the past year compared with the industry.

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KNSL’s Expensive ValuationThe stock is overvalued compared with its industry. It is currently trading at a price-to-book value multiple of 3.59, higher than the industry average of 1.39.

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Estimate Movement for KNSLThe Zacks Consensus Estimate for KNSL’s second-quarter and third-quarter 2026 EPS has moved down 0.4% and 1.4%, respectively, in the past 60 days. The same for full-year 2026 and 2027 EPS has moved down 0.7% and 2.7%, respectively, in the past 60 days.

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