---
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"
generated_at: "2026-05-23T07:05:51.175181+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kinsale Capital Q1 GAAP EPS $3.83, down 9.7% YoY; operating EPS $3.71, up 6%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1669162/000166916225000026/0001669162-25-000026-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1669162/000166916225000026/knsl-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001669162-25-000026
- JSON: https://secwatch.observer/filing/0001669162-25-000026.json
- Plain text: https://secwatch.observer/filing/0001669162-25-000026.txt

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