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Jun 30, 2025
Kinsale Q2 2025 Earnings Report
Kinsale reported strong earnings with record per-share net income in Q2 2025.
Key Takeaways
Kinsale delivered record EPS and strong underwriting performance, supported by disciplined expense management and increased investment income.
Record EPS of $5.76 driven by disciplined underwriting
Underwriting income rose to $95.5M with a combined ratio of 75.8%
Net investment income grew 29.6% YoY to $46.5M
Gross written premiums increased to $555.5M despite commercial property headwinds
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expects continued disciplined underwriting and long-term value generation despite competitive pressures in some segments.
Positive Outlook
- Confidence in continued long-term value generation
- Strong underwriting discipline to be maintained
- Technology-enabled expense management to continue
- Robust submission flow in most divisions
- Investment portfolio growth supporting income
Challenges Ahead
- Increased competition in commercial property segment
- Pressure from standard carriers on rates
- Potential for higher catastrophe losses
- Higher average stockholders' equity could lower ROE
- Market cycle uncertainties could impact premiums
Historical Earnings Impact
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Avg. Return Before/After Earnings
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