---
schema_version: "secwatch.filing_event.v1"
accession: "0001669162-25-000006"
form_type: "8-K"
ticker: "KNSL"
cik: "0001669162"
company_name: "Kinsale Capital Group, Inc."
filed_at: "2025-02-13T23:59:59+00:00"
generated_at: "2026-05-26T22:20:00.618627+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kinsale Capital Q4 net income $109.1M ($4.68), gross premiums +12.2% to $443M; full-year EPS up 34.5%

## Summary
- Q4 net income $109.1M ($4.68 diluted EPS) vs $103.4M ($4.43) a year ago; net operating earnings $107.8M ($4.62) vs $90.3M ($3.87).
- Gross written premiums Q4 $443.3M (+12.2% YoY); full-year $1.87B (+19.2% YoY).
- Q4 combined ratio 73.4% (incl. 2.2 pts from Hurricane Milton catastrophe losses) vs 72.1% in Q4 2023.
- Net investment income Q4 $41.9M (+37.8% YoY); full-year $150.3M (+46.9% YoY).
- Full-year operating return on equity 29.2%; underwriting income $325.9M vs $270.4M in 2023.

## SEC filing metadata
- accession: 0001669162-25-000006
- form_type: 8-K
- ticker: KNSL
- cik: 0001669162
- company_name: Kinsale Capital Group, Inc.
- filed_at: 2025-02-13T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1669162/000166916225000006/0001669162-25-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1669162/000166916225000006/knsl-20250213.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001669162-25-000006
- JSON: https://secwatch.observer/filing/0001669162-25-000006.json
- Plain text: https://secwatch.observer/filing/0001669162-25-000006.txt

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