Kinsale Capital Group, Inc. · Property and casualty insurance

KNSL

Low riskNext report: Around Feb 11, 2027 (est.)

View price ↗

The short version

A high-quality, profitable business with shrinking sales.

Going well

Profitable every year for 10 years
Sales up 18% last year
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions added 1.8% to their holdings in the quarter ending June 2026 (271 bought, 304 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$370.17+1.5% that day

Company value: $8.3B; Share price times all shares
Price vs profit (P/E): 16.1x; You pay about $16 for each $1 of yearly profit
Price vs sales: 4.3x; Company value is 4.3 times a year of sales
Dividend yield: 0.2%; Yearly dividend as a share of today's price
Cash vs value: 2%; Cash as a share of company value
Debt vs value: 3%; Debt as a share of company value

From KNSL's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Sep '26

$454.8M-8.6% vs a year earlier

Dec '23Tap a barSep '26

Last 12 months: $2.0B, up 8.3% from the 12 months before. Over 5 years, sales grew about 32% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of KNSL. Starting points are the company's recent numbers.

Sales growth+8% a yearRecently: +8.3% a yearProfit margin27%Last 12 months: 26.9%P/E at the end16xToday: 16.1x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$2.9B

Profit in 5 years$775M

Price these guesses point to$550.80+49% vs $370.17 todayAbout +8.3% a year, before dividends

What today's price needs: with a 27% margin and a 16x P/E, sales could shrink about 0.3% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

6/6Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.29.3%
PassDebt under half of equityNot relying on borrowed money.0.11x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.26.9%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$990.1M
PassShare count not growingNot diluting owners. Falling means buybacks.+0.6% in 3 years

Revenue: $1.9B; +18.0% vs prior year
5-year growth: +32.4%/yr; revenue, per year
Total debt: $224.4M; 0.11x equity
Free cash flow: $990.1M; 52.8% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Sep 30, 2026

Reported Oct 22After close4:11 pm ET

Revenue: $454.8M; -8.6% YoY
EPS: $4.36; vs $6.09
Free cash flow: $261.8M
Share count: -3.3%; vs a year ago

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

86/ 100

This week: 3
Normal week: 0.5
vs normal: 6.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+1.8%

Institutions added 1.8% to their holdings. 271 bought, 304 sold. 2 quarters of net buying in a row.

Shares held by institutions21.5M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-1.0%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.1x · $224.6M debt

Shares outstandingLatest reported

23M

Earnings reports

Last 12

Next reportAround Feb 11, 2027 (est.)Estimated from the same quarter last year

Results filedOct 22
Results filedJul 23
Results filedApr 23
Results filedFeb 12
Results filedOct 23, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

New 5%+ holder (passive)Jul 31 · View filing ↗Big holder

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

Earnings resultsOct 22 · Form 8-K ↗Quarterly reportOct 22 · Form 10-Q ↗Leadership changeOct 22 · Form 8-K ↗13F-HRAug 5 · Form 13F-HR ↗N-PXAug 5 · Form N-PX ↗New 5%+ holder (passive)Jul 31 · Form SCHEDULE 13G ↗Earnings resultsJul 23 · Form 8-K ↗Quarterly reportJul 23 · Form 10-Q ↗

BoughtChristopher R. TangardSVP, Chief Accounting Officer

330 shares at $304.00 · $100K

+660% of holdings
Now owns 380 shares
Held Held in Spouse's IRA
Filed 1 day after trade

Jun 8Form 4 ↗

5%+ holder update (passive)Jun 3 · Form SCHEDULE 13G/A ↗

SoldSalmaan K. AllibhaiChief Analytics & Tech Officer

250 shares at $311.17 · $78K

-6% of holdings
Now owns 3,645 shares
Not a pre-planned sale
Filed 1 day after trade
Also: Option exercise

May 26Form 4 ↗

GiftBryan P. PetrucelliEVP, CFO and Treasurer

52,216 shares

Now owns 29,307 shares
Held by spouse
2 transactions
Filed 5 days after trade

May 21Form 4 ↗

Planned insider saleMay 26 · Form 144 ↗Shareholder vote resultsMay 21 · Form 8-K ↗5%+ holder update (passive)May 15 · Form SCHEDULE 13G/A ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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