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Sep 30, 2025
Kinsale Q3 2025 Earnings Report
Kinsale reported strong growth in earnings and premiums during the third quarter of 2025.
Key Takeaways
Kinsale Capital Group delivered record third-quarter results driven by higher underwriting income, improved combined ratio, and strong investment returns. Net income and operating earnings per share increased over 24% year-over-year, supported by disciplined underwriting and favorable loss reserve development.
Net income reached $141.6 million, up from $114.2 million in Q3 2024.
Diluted EPS rose 24.3% to $6.09, while operating EPS increased 24.0% to $5.21.
Underwriting income grew to $105.7 million with a combined ratio of 74.9%.
Net investment income climbed 25.1% year-over-year to $49.6 million.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management remains confident in disciplined underwriting and technology-enabled expense management to sustain long-term value creation despite competitive market pressures.
Positive Outlook
- Strong underwriting discipline and consistent profitability.
- Continued growth across most business divisions excluding property.
- Solid investment income supported by higher portfolio yields.
- Favorable development from prior accident years.
- Technology-driven operational efficiencies.
Challenges Ahead
- Pressure on commercial property premiums due to competition.
- Slightly higher expense ratio compared to last year.
- Lower catastrophe losses this quarter may not persist.
- Market rate softening in some insurance segments.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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