KNSL Financials Kinsale Capital Group, Inc.

12 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Oct 25, 2026, 10:25 UTC Overview →

Growth & profitability

Revenue has grown 32.4% per year over the past 5 years.
Net income has grown faster than revenue (41.6% vs 32.4% per year).
Free cash flow has grown 32.0% per year over the past 5 years.

Financial health

Total debt ($224M) exceeds cash ($163M); net debt is $61M.
Total debt has grown faster than revenue (51.4% vs 32.4% per year).

Shareholder returns

Dividends have been paid for 10 consecutive years, consuming 3.1% of earnings and 1.6% of free cash flow.
The dividend has grown 14.3% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$1.9B	$504M	0.0%	0.0%	25.7%	8.3%	$990M	$224M	$163M
2024	$1.6B	$415M	0.0%	0.0%	28.0%	8.5%	$952M	$184M	$113M
2023	$1.2B	$308M	0.0%	0.0%	28.3%	8.2%	$853M	$184M	$127M
2022	$839M	$159M	0.0%	0.0%	21.3%	5.8%	$551M	$196M	$156M
2021	$653M	$153M	0.0%	0.0%	21.8%	7.5%	$401M	$43M	$121M
2020	$460M	$88M	0.0%	0.0%	15.3%	5.7%	$247M	—	$77M
2019	$316M	$63M	0.0%	0.0%	15.6%	5.8%	$159M	—	$100M
2018	$222M	$34M	0.0%	0.0%	12.8%	4.4%	$103M	—	$75M
2017	$187M	$25M	0.0%	0.0%	10.5%	3.7%	$77M	—	$82M
2016	$142M	$26M	0.0%	0.0%	12.4%	4.3%	—	—	$51M
2015	$81M	$22M	0.0%	0.0%	19.6%	4.1%	—	—	$25M
2014	$64M	$13M	0.0%	0.0%	14.0%	—	—	—	$24M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Sep '26	$455M	$98M	0.0%	0.0%	5.1%	1.5%	$262M	$225M	$161M
Jun '26	$549M	$176M	0.0%	0.0%	8.6%	2.7%	$239M	$225M	$211M
Mar '26	$467M	$113M	0.0%	0.0%	5.7%	1.8%	$241M	$224M	$223M
Dec '25	$483M	$139M	0.0%	0.0%	7.1%	2.3%	$231M	$224M	$163M
Sep '25	$498M	$142M	0.0%	0.0%	7.6%	2.4%	$290M	$199M	$170M
Jun '25	$470M	$134M	0.0%	0.0%	7.8%	2.4%	$252M	$184M	$138M
Mar '25	$423M	$89M	0.0%	0.0%	5.6%	1.7%	$218M	$184M	$142M
Dec '24	$412M	$109M	0.0%	0.0%	7.4%	2.2%	$202M	$184M	$113M
Sep '24	$418M	$114M	0.0%	0.0%	8.0%	2.4%	$268M	$184M	$112M
Jun '24	$385M	$93M	0.0%	0.0%	7.4%	2.1%	$275M	$184M	$171M
Mar '24	$373M	$99M	0.0%	0.0%	8.4%	2.5%	$207M	$184M	$136M
Dec '23	$351M	$103M	0.0%	0.0%	9.5%	2.7%	$210M	$184M	$127M
Sep '23	$314M	$76M	0.0%	0.0%	8.2%	2.2%	$223M	$184M	$163M
Jun '23	$296M	$73M	0.0%	0.0%	8.3%	2.2%	$224M	$196M	$125M
Mar '23	$263M	$56M	0.0%	0.0%	6.8%	1.9%	$195M	$196M	$159M
Dec '22	$248M	$67M	0.0%	0.0%	9.0%	2.4%	$99M	$196M	$156M
Sep '22	$222M	$33M	0.0%	0.0%	5.3%	1.3%	$175M	$123M	$126M
Jun '22	$184M	$27M	0.0%	0.0%	4.3%	1.2%	$155M	—	$121M
Mar '22	$180M	$32M	0.0%	0.0%	4.8%	1.5%	$121M	—	—
Dec '21	$184M	$48M	0.0%	0.0%	6.9%	2.4%	$104M	$43M	$121M

Valuation over time

How the market has priced KNSL against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has fallen from 42.4× (Mar '23) to 17.0× (Nov '26).
The price-to-sales ratio has fallen from 8.1× (Mar '23) to 4.6× (Nov '26).
The dividend yield has risen from 0.2% (Mar '23) to 0.2% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is KNSL growing its revenue and profit?

Over the past 5 years, Kinsale Capital Group, Inc.'s revenue has grown 32.4% per year, and net income grown 41.6% per year. These are computed facts, not advice.

How much debt does KNSL have?

As of FY2025, Kinsale Capital Group, Inc. reported $224M of total debt against $163M of cash.

What is KNSL's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 26.9%.

What is KNSL's P/E ratio?

Kinsale Capital Group, Inc.'s P/E (TTM) is 16.27 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the KNSL stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 17.0× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.