Kinsale Q4 EPS $5.99, +28% YoY; full-year combined ratio 75.9%

Kinsale Capital Group, Inc.

2025-FY EPS reported $21.65 revenue$1,873,987,000

Q4 net income $138.6M ($5.99 diluted EPS) vs $109.1M ($4.68) YoY; net operating EPS $5.81.
Q4 gross written premiums $451M (+1.8%); net written premiums $371M (+7.1%).
Q4 combined ratio 71.7% vs 73.4%; underwriting income $120.6M, aided by favorable reserve development.
Full-year EPS $21.65 vs $17.78; net investment income $192.2M, +27.9%.
Commercial Property Division gross premiums fell 28.3% in Q4; other divisions up 10.2%.

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