Kinsale Capital Group, Inc. (KNSL)

Over the past six months, Kinsale Capital Group's stock has experienced volatility and a general decline. Key events impacting the stock include the third quarter 2025 earnings report, where strong results were offset by book value concerns, leading to a stock drop. Comments from a New York Federal Reserve President hinted at potential interest rate cuts, causing a share price increase. Analyst rating changes from firms like RBC Capital, Morgan Stanley, TD Cowen, and JP Morgan have also influenced the stock. Kinsale Capital Group announced a quarterly dividend of $0.17 per share, payable on December 11, 2025.

Information regarding specific demand seasonality for Kinsale Capital Group, Inc.'s products and services is not explicitly detailed. The insurance industry, in general, can experience some seasonality influenced by factors such as renewal cycles, catastrophic weather events, and economic conditions. An economic downturn can adversely affect the demand for insurance products, impacting premium levels and profitability.

Kinsale Capital Group, Inc. (KNSL) is a specialty insurance company focused on the excess and surplus lines (E&S) market in the United States. It operates in the Financials sector, specifically in the Property & Casualty Insurance industry, providing coverage for unusual or difficult-to-place risks, targeting small to medium-sized accounts. Kinsale offers a wide array of insurance coverages in commercial lines, including commercial property, excess casualty, and professional liability, and in personal lines, it offers high-value homeowners and other personal insurance products.

Kinsale Capital Group, Inc. markets and sells its insurance products across all 50 states of the United States, the District of Columbia, the Commonwealth of Puerto Rico, and the U.S. Virgin Islands. The company primarily operates through a network of independent insurance brokers.

Kinsale Capital Group maintains a reputation as a leading specialty insurance company known for its underwriting expertise and disciplined risk selection in the E&S market. The company has reported strong financial results, with significant growth in gross written premiums and attractive returns on equity. Kinsale expanded its agribusiness vertical and launched new homeowners products in Texas, Louisiana, Colorado, and California. The board election of Brian D. Haney and his planned retirement in 2026 was announced. Management has noted that aggressive pricing and underwriting by managing general agents (MGAs) and front-end companies are creating a more challenging competitive environment.

Kinsale Capital Group, Inc. has a diverse ownership structure. Institutional shareholders hold approximately 83.50% of the stock, insiders own about 11.93% of the shares, and retail investors hold the remaining 4.57%. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, Bamco Inc /Ny/, Morgan Stanley, State Street Corp and Geode Capital Management, Llc. The largest individual shareholder is Michael P. Kehoe, who owns 2.13 million shares, representing 9.17% of the company.