What is Kinsale Capital's earnings per share (EPS)?

Kinsale Capital (KNSL) reported diluted earnings per share of $21.65 for fiscal year 2025. This represents a 21.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Kinsale Capital Financials

KNSL

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Kinsale Capital (KNSL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 83/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Kinsale Capital's revenue surged 18.0% year-over-year to $1.9B, reflecting rapid business expansion. This strong growth earns a score of 63/100.

Leverage

100

Kinsale Capital carries a low D/E ratio of 0.11, meaning only $0.11 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Kinsale Capital converts 52.8% of revenue into free cash flow ($990.1M). This strong cash generation earns a score of 100/100.

Returns

Kinsale Capital earns a strong 25.7% return on equity (ROE), meaning it generates $26 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 68/100. This is down from 28.0% the prior year.

Piotroski F-Score Neutral

5/9

Kinsale Capital passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.07x

For every $1 of reported earnings, Kinsale Capital generates $2.07 in operating cash flow ($1.0B OCF vs $503.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.9B

YoY+18.0%

5Y CAGR+32.4%

10Y CAGR+37.0%

Kinsale Capital generated $1.9B in revenue in fiscal year 2025. This represents an increase of 18.0% from the prior year.

EBITDA

N/A

Net Income

$503.6M

YoY+21.4%

5Y CAGR+41.6%

10Y CAGR+36.6%

Kinsale Capital reported $503.6M in net income in fiscal year 2025. This represents an increase of 21.4% from the prior year.

EPS (Diluted)

$21.65

YoY+21.8%

5Y CAGR+41.1%

Kinsale Capital earned $21.65 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$990.1M

YoY+4.0%

5Y CAGR+32.0%

10Y CAGR+28.9%

Kinsale Capital generated $990.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 4.0% from the prior year.

Cash & Debt

$163.4M

YoY+44.3%

5Y CAGR+16.2%

10Y CAGR+20.9%

Kinsale Capital held $163.4M in cash against $224.4M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.68

YoY+13.3%

5Y CAGR+13.6%

Kinsale Capital paid $0.68 per share in dividends in fiscal year 2025. This represents an increase of 13.3% from the prior year.

Shares Outstanding

23M

YoY-0.5%

5Y CAGR+0.3%

Kinsale Capital had 23M shares outstanding in fiscal year 2025. This represents a decrease of 0.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

26.9%

YoY+0.7pp

5Y CAGR+7.6pp

10Y CAGR-0.8pp

Kinsale Capital's net profit margin was 26.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.7 percentage points from the prior year.

Return on Equity

25.7%

YoY-2.3pp

5Y CAGR+10.4pp

10Y CAGR+6.1pp

Kinsale Capital's ROE was 25.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$90.0M

YoY+800.0%

Kinsale Capital spent $90.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 800.0% from the prior year.

Capital Expenditures

$53.7M

YoY+124.2%

5Y CAGR+10.3%

10Y CAGR+72.4%

Kinsale Capital invested $53.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 124.2% from the prior year.

KNSL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.9B+18.0%	$1.6B+29.7%	$1.2B+46.0%	$838.8M+28.4%	$653.5M+42.1%	$459.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$10.6M+5.1%	$10.1M-1.6%	$10.3M+140.5%	$4.3M+331.0%	$994K+491.7%	$168K
Income Tax	$130.7M+30.9%	$99.9M+31.5%	$75.9M+108.3%	$36.5M+0.9%	$36.1M+201.3%	$12.0M
Net Income	$503.6M+21.4%	$414.8M+34.6%	$308.1M+93.6%	$159.1M+4.2%	$152.7M+72.7%	$88.4M
EPS (Diluted)	$21.65+21.8%	$17.78+34.5%	$13.22+92.2%	$6.88+3.9%	$6.62+71.1%	$3.87

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$483.3M-2.9%	$497.5M+5.9%	$469.8M+11.0%	$423.4M+2.7%	$412.1M-1.4%	$418.1M+8.7%	$384.6M+3.2%	$372.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.0M+16.1%	$2.6M+0.5%	$2.6M+0.7%	$2.5M-0.8%	$2.6M-1.2%	$2.6M+1.0%	$2.6M+5.9%	$2.4M
Income Tax	$36.2M-2.8%	$37.2M+9.0%	$34.2M+48.0%	$23.1M-21.9%	$29.6M-2.0%	$30.2M+29.9%	$23.2M+37.2%	$16.9M
Net Income	$138.6M-2.1%	$141.6M+5.6%	$134.1M+50.3%	$89.2M-18.2%	$109.1M-4.5%	$114.2M+23.4%	$92.6M-6.4%	$98.9M
EPS (Diluted)	N/A	$6.09+5.7%	$5.76+50.4%	$3.83	N/A	$4.90+23.4%	$3.97-6.4%	$4.24

KNSL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.0B+23.7%	$4.9B+29.5%	$3.8B+37.3%	$2.7B+35.6%	$2.0B+30.9%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$163.4M+44.3%	$113.2M-10.6%	$126.7M-18.9%	$156.3M+29.1%	$121.0M+57.0%	$77.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.1B+20.0%	$3.4B+26.7%	$2.7B+34.2%	$2.0B+50.9%	$1.3B+36.6%	$970.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$224.4M+21.9%	$184.1M+0.2%	$183.8M-6.1%	$195.7M+358.5%	$42.7M	N/A
Total Equity	$2.0B+32.1%	$1.5B+36.5%	$1.1B+45.8%	$745.4M+6.6%	$699.3M+21.4%	$576.2M
Retained Earnings	$1.7B+39.7%	$1.2B+48.4%	$828.2M+55.4%	$533.1M+38.1%	$385.9M+58.6%	$243.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.0B+3.6%	$5.8B+5.0%	$5.6B+6.5%	$5.2B+6.7%	$4.9B+3.3%	$4.7B+7.7%	$4.4B+9.0%	$4.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$163.4M-4.0%	$170.2M+23.2%	$138.1M-2.8%	$142.0M+25.5%	$113.2M+1.4%	$111.7M-34.7%	$171.0M+25.6%	$136.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.1B+2.9%	$4.0B+3.5%	$3.8B+5.6%	$3.6B+6.7%	$3.4B+3.2%	$3.3B+5.1%	$3.1B+9.7%	$2.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$224.4M+12.6%	$199.3M+8.2%	$184.3M0.0%	$184.2M0.0%	$184.1M0.0%	$184.1M0.0%	$184.0M0.0%	$183.9M
Total Equity	$2.0B+5.1%	$1.9B+8.3%	$1.7B+8.8%	$1.6B+6.7%	$1.5B+3.4%	$1.4B+14.1%	$1.3B+7.4%	$1.2B
Retained Earnings	$1.7B+8.5%	$1.6B+9.5%	$1.4B+9.9%	$1.3B+6.9%	$1.2B+9.4%	$1.1B+10.9%	$1.0B+9.6%	$923.7M

KNSL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.0B+6.9%	$976.3M+13.5%	$859.8M+54.1%	$557.8M+37.0%	$407.0M+45.4%	$280.0M
Capital Expenditures	$53.7M+124.2%	$23.9M+262.4%	$6.6M-4.3%	$6.9M+16.6%	$5.9M-82.0%	$32.9M
Free Cash Flow	$990.1M+4.0%	$952.4M+11.6%	$853.2M+54.9%	$550.9M+37.3%	$401.1M+62.3%	$247.1M
Investing Cash Flow	-$922.2M+3.9%	-$960.1M-11.5%	-$860.9M-21.5%	-$708.6M-101.3%	-$352.0M+7.2%	-$379.4M
Financing Cash Flow	-$71.4M-140.7%	-$29.7M-4.0%	-$28.5M-115.3%	$186.0M+1769.6%	-$11.1M-114.6%	$76.1M
Dividends Paid	$15.8M+13.2%	$13.9M+7.6%	$13.0M+8.6%	$11.9M+19.0%	$10.0M+24.1%	$8.1M
Share Buybacks	$90.0M+800.0%	$10.0M	$0	$0	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$241.4M-20.5%	$303.5M+12.8%	$269.1M+17.1%	$229.8M+7.9%	$213.0M-22.3%	$274.0M-1.8%	$278.9M+32.6%	$210.4M
Capital Expenditures	$10.6M-23.9%	$13.9M-18.1%	$17.0M+40.2%	$12.1M+12.5%	$10.8M+85.1%	$5.8M+52.6%	$3.8M+8.7%	$3.5M
Free Cash Flow	$230.8M-20.3%	$289.5M+14.9%	$252.1M+15.8%	$217.6M+7.6%	$202.2M-24.6%	$268.2M-2.5%	$275.1M+33.0%	$206.8M
Investing Cash Flow	-$219.4M+16.5%	-$262.6M-1.3%	-$259.3M-43.3%	-$181.0M+8.6%	-$198.0M+40.0%	-$329.9M-37.7%	-$239.7M-24.5%	-$192.5M
Financing Cash Flow	-$28.8M-227.3%	-$8.8M+35.8%	-$13.7M+31.4%	-$20.0M-49.0%	-$13.4M-292.0%	-$3.4M+22.0%	-$4.4M+47.7%	-$8.4M
Dividends Paid	$3.9M-0.6%	$3.9M-0.1%	$3.9M-1.4%	$4.0M+14.9%	$3.5M-0.1%	$3.5M-0.4%	$3.5M-0.2%	$3.5M
Share Buybacks	$50.0M+150.0%	$20.0M+100.0%	$10.0M0.0%	$10.0M0.0%	$10.0M	$0	$0	$0

KNSL Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.9%+0.7pp	26.1%+1.0pp	25.2%+6.2pp	19.0%-4.4pp	23.4%+4.1pp	19.2%
Return on Equity	25.7%-2.3pp	28.0%-0.4pp	28.3%+7.0pp	21.3%-0.5pp	21.8%+6.5pp	15.3%
Return on Assets	8.3%-0.2pp	8.5%+0.3pp	8.2%+2.4pp	5.8%-1.7pp	7.5%+1.8pp	5.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.110.0	0.12-0.0	0.17-0.1	0.26+0.2	0.06-1.6	1.68
FCF Margin	52.8%-7.2pp	60.0%-9.7pp	69.7%+4.0pp	65.7%+4.3pp	61.4%+7.7pp	53.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.7%+0.2pp	28.5%-0.1pp	28.5%+7.5pp	21.1%-5.4pp	26.5%-0.9pp	27.3%+3.3pp	24.1%-2.5pp	26.5%
Return on Equity	7.1%-0.5pp	7.6%-0.2pp	7.8%+2.1pp	5.6%-1.7pp	7.3%-0.6pp	8.0%+0.6pp	7.4%-1.1pp	8.5%
Return on Assets	2.3%-0.1pp	2.4%+0.0pp	2.4%+0.7pp	1.7%-0.5pp	2.2%-0.2pp	2.4%+0.3pp	2.1%-0.3pp	2.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.110.0	0.110.0	0.110.0	0.120.0	0.120.0	0.13-0.0	0.15-0.0	0.16
FCF Margin	47.8%-10.4pp	58.2%+4.5pp	53.6%+2.2pp	51.4%+2.3pp	49.1%-15.1pp	64.1%-7.4pp	71.5%+16.1pp	55.5%

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Frequently Asked Questions

What is Kinsale Capital's annual revenue?

Kinsale Capital (KNSL) reported $1.9B in total revenue for fiscal year 2025. This represents a 18.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Kinsale Capital's revenue growing?

Kinsale Capital (KNSL) revenue grew by 18% year-over-year, from $1.6B to $1.9B in fiscal year 2025.

Is Kinsale Capital profitable?

Yes, Kinsale Capital (KNSL) reported a net income of $503.6M in fiscal year 2025, with a net profit margin of 26.9%.

How much debt does Kinsale Capital have?

As of fiscal year 2025, Kinsale Capital (KNSL) had $163.4M in cash and equivalents against $224.4M in long-term debt.

What is Kinsale Capital's net profit margin?

Kinsale Capital (KNSL) had a net profit margin of 26.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Kinsale Capital pay dividends?

Yes, Kinsale Capital (KNSL) paid $0.68 per share in dividends during fiscal year 2025.

What is Kinsale Capital's return on equity (ROE)?

Kinsale Capital (KNSL) has a return on equity of 25.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Kinsale Capital's free cash flow?

Kinsale Capital (KNSL) generated $990.1M in free cash flow during fiscal year 2025. This represents a 4.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Kinsale Capital's operating cash flow?

Kinsale Capital (KNSL) generated $1.0B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Kinsale Capital's total assets?

Kinsale Capital (KNSL) had $6.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Kinsale Capital's capital expenditures?

Kinsale Capital (KNSL) invested $53.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Kinsale Capital buy back shares?

Yes, Kinsale Capital (KNSL) spent $90.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Kinsale Capital have outstanding?

Kinsale Capital (KNSL) had 23M shares outstanding as of fiscal year 2025.

What is Kinsale Capital's debt-to-equity ratio?

Kinsale Capital (KNSL) had a debt-to-equity ratio of 0.11 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Kinsale Capital's return on assets (ROA)?

Kinsale Capital (KNSL) had a return on assets of 8.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Kinsale Capital's Piotroski F-Score?

Kinsale Capital (KNSL) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Kinsale Capital's earnings high quality?

Kinsale Capital (KNSL) has an earnings quality ratio of 2.07x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Kinsale Capital?

Kinsale Capital (KNSL) scores 83 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.