{"schema_version":"secwatch.filing_event.v1","accession":"0001669162-25-000026","form_type":"8-K","ticker":"KNSL","cik":"0001669162","company_name":"Kinsale Capital Group, Inc.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.273552+00:00","generated_at":"2026-05-23T07:05:51.175181+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Kinsale Capital Q1 GAAP EPS $3.83, down 9.7% YoY; operating EPS $3.71, up 6%","bullets":["Net income $89.2M ($3.83 diluted EPS) vs $98.9M ($4.24) YoY; includes $17.8M after-tax catastrophe losses from Palisades Fire.","Net operating earnings $86.4M ($3.71 diluted), up 6% from $81.6M ($3.50) YoY.","Gross written premiums $484.3M, +7.9% YoY; Commercial Property Division down 18.4% on rate declines and competition.","Combined ratio 82.1% (vs 79.5% YoY); loss ratio 62.1% includes 6.0 pts catastrophe losses; expense ratio improved to 20.0%.","Annualized operating return on equity 22.5% vs 28.9% prior year."],"urls":{"canonical":"https://secwatch.observer/filing/0001669162-25-000026","json":"https://secwatch.observer/filing/0001669162-25-000026.json","markdown":"https://secwatch.observer/filing/0001669162-25-000026.md","text":"https://secwatch.observer/filing/0001669162-25-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1669162/000166916225000026/0001669162-25-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1669162/000166916225000026/knsl-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:05:51.175181+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}