Kinsale reported FY 2025 net income of USD 503.61 million, up 21.4%, on income before taxes of USD 634.3 million (up 23.2%). Underwriting income rose 19.4% to USD 389.17 million, with a combined ratio of 75.9% (2024: 76.4%), reflecting a 55.1% loss ratio (2024: 55.8%) and a 20.8% expense ratio (2024: 20.6%). Net investment income increased 27.9% to USD 192.19 million, while the change in fair value of equity securities was USD 58.84 million and net realized investment gains were USD 4.39 million. Gross written premiums were USD 1.98 billion (up 5.7%) and net written premiums were USD 1.62 billion (up 9.4%), as Kinsale’s net retention ratio increased to 81.7% (2024: 79.0%). Kinsale said Commercial Property Division gross written premiums declined 17.9% due to rate declines and competition, while excluding that division gross written premiums grew 13.3% on strong broker submission flow; average premium per policy was USD 13,400 (2024: USD 15,100). Current accident-year catastrophe losses were USD 30.35 million, primarily tied to the Palisades Fire, and prior-year loss reserves developed favorably by USD 62.82 million. The company ended 2025 with cash and invested assets of USD 5.2 billion and stockholders’ equity of USD 1.96 billion, and noted it completed its new corporate headquarters in November 2025. Kinsale also said its October 2024 USD 100 million share repurchase program was exhausted in October 2025, and it authorized a new USD 250 million buyback program in December 2025; it paid FY 2025 dividends totaling USD 0.68 per share (USD 15.8 million aggregate) and declared a USD 0.25 per share dividend payable in March 2026.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Kinsale Capital Group Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001669162-26-000015), on February 20, 2026, and is solely responsible for the information contained therein.