secwatch.observer — SEC 8-K summary
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Issuer:     Kinsale Capital Group, Inc. (KNSL)
CIK:        0001669162
Form:       8-K
Filed at:   2025-04-24T23:59:59+00:00
Accession:  0001669162-25-000026
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1669162/000166916225000026/0001669162-25-000026-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1669162/000166916225000026/knsl-20250424.htm
  HTML page:      https://secwatch.observer/filing/0001669162-25-000026

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer