Kinsale Capital Group, Inc. (KNSL)

Over the past six months, Kinsale Capital Group's stock experienced a decline of 12.09%, with a 52-week range between $349.00 and $512.76. Key events included strong Q3 2025 earnings driven by solid demand, a dividend declaration, a $250 million share repurchase program, and the announcement of the Q4 2025 earnings release date. Upbeat analyst projections led to a stock increase, while Q2 2025 earnings surpassed expectations but faced increased competition in the commercial property division. Giverny Capital Asset Management highlighted Kinsale as a strong investment and added to its position.

Based on the available information, there is no explicit mention of significant demand seasonality for Kinsale Capital Group's products and services. The company's business model focuses on the excess and surplus lines market, which deals with hard-to-place risks, suggesting a more consistent demand driven by the unique needs of clients rather than seasonal fluctuations.

Kinsale Capital Group, Inc. operates in the Financial Services sector, specializing in the Insurance - Property & Casualty industry, providing coverage for unusual risks in the E&S market, primarily for small to medium-sized accounts. Its product offerings include commercial lines such as commercial property, excess casualty, and personal lines like high-value homeowners insurance. The company generates revenue through premiums and investment income.

Kinsale Capital Group, Inc. operates across all 50 states, the District of Columbia, the Commonwealth of Puerto Rico, and the United States Virgin Islands through its insurance subsidiary, Kinsale Insurance Company. The company strategically focuses on capturing demand in states with high populations of high-net-worth individuals, such as California, Florida, Texas, and New York.

Kinsale Capital Group has maintained a strong brand reputation over the past year, driven by consistent financial performance, disciplined underwriting, and efficient operations. Strong financial results, strategic growth, underwriting discipline, and investment income growth have positively affected its reputation. Increased competition in the commercial property division and a decline in new business submissions presented challenges.

Kinsale Capital Group, Inc. has significant institutional ownership, with 940 institutional owners holding 25,719,077 shares. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, and Bamco Inc /ny/. Michael P. Kehoe, the Chairman of the Board and CEO, owns 9.16% of the company's shares. Overall, institutional shareholders own 83.53% of the stock, insiders own 11.96%, and retail investors hold 4.51%.