---
schema_version: "secwatch.filing_event.v1"
accession: "0001669162-22-000041"
form_type: "8-K"
ticker: "KNSL"
cik: "0001669162"
company_name: "Kinsale Capital Group, Inc."
filed_at: "2022-10-27T23:59:59+00:00"
generated_at: "2026-06-23T00:05:17.913140+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Kinsale Q3 net income down 9.9% to $1.43 EPS; gross premiums up 43.8% to $284.1M

## Summary
- Net income $33.0M ($1.43 diluted EPS) vs $36.6M ($1.59) in Q3 2021; after-tax catastrophe losses $20.6M (mostly Hurricane Ian).
- Net operating earnings $37.9M ($1.64 diluted), up 3.3% YoY; gross written premiums surged 43.8% to $284.1M.
- Combined ratio 83.6% vs 75.7% in Q3 2021; loss ratio included 12.5 points from Hurricane Ian.
- Net investment income rose 71.2% to $13.9M; annualized operating ROE 24.3% for nine months.
- Underwriting income $34.3M vs $38.1M; favorable reserve development $11.0M in Q3.

## SEC filing metadata
- accession: 0001669162-22-000041
- form_type: 8-K
- ticker: KNSL
- cik: 0001669162
- company_name: Kinsale Capital Group, Inc.
- filed_at: 2022-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1669162/000166916222000041/0001669162-22-000041-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1669162/000166916222000041/knsl-20221027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001669162-22-000041
- JSON: https://secwatch.observer/filing/0001669162-22-000041.json
- Plain text: https://secwatch.observer/filing/0001669162-22-000041.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.