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Dec 31, 2025
Kinsale Q4 2025 Earnings Report
Kinsale reported strong fourth quarter 2025 earnings growth driven by higher underwriting income and investment income, with improved combined ratio.
Key Takeaways
For Q4 2025, Kinsale generated net income of 138620000, or 5.99 per diluted share, supported by underwriting income of 120581000 and net investment income of 52296000. Gross written premiums increased to 451123000, and the combined ratio improved to 71.7%.
Net income increased to 138620000 from 109094000 year-over-year.
Underwriting income rose to 120581000 with a 71.7% combined ratio.
Gross written premiums grew 1.8% to 451123000.
Net investment income increased 24.9% to 52296000.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expressed confidence in continued disciplined underwriting and long-term value creation but did not provide specific quantitative 2026 financial guidance in the release.
Positive Outlook
- Strong underwriting profitability with 71.7% combined ratio.
- Growth in gross and net written premiums.
- Net investment income increased 24.9%.
- Annualized operating return on equity of 28.2% in Q4.
- Solid capital position with 1959583000 in stockholders' equity.
Challenges Ahead
- Commercial Property Division premiums declined 28.3% in Q4.
- Competitive market pressures in property lines.
- Exposure to catastrophe losses.
- Rising interest expense year-over-year.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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