KNSL Earnings Prediction
The chart below shows how KNSL performed 10 days before and after its earnings report, based on data from the past quarters. Typically, KNSL sees a -3.33% change in stock price 10 days leading up to the earnings, and a -1.50% change 10 days following the report. On the earnings day itself, the stock moves by +0.51%. This data can give you a slight idea of what to expect for the next quarter's release.
KNSL Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
419.70M
18.42%
2.31%
Gross Margin
--
--
--
Operating Margin
26.48%
-6.07%
-22.05%
Net Margin
--
--
--
EPS
3.83
-9.67%
-18.16%
No Data Available
KNSL Earnings Analysis
Kinsale Capital Group Inc Corporation (KNSL.N) Earnings Conference Call
Positive
Operating Earnings Growth: Kinsale’s operating earnings per share increased by 6% in Q1 2025 compared to Q1 2024.
Premium Growth Performance: Gross written premium grew by 8% year-over-year, indicating strong business performance.
Strong Profitability Indicator: The company posted a combined ratio of 82%, reflecting strong profitability despite significant catastrophe events.
Operating Return on Equity: Annualized operating return on equity reached 22.5%, showcasing effective capital management and profitability.
Net Investment Income Surge: Net investment income increased by 33.1% compared to the previous year, driven by strong operating cash flows.
Earnings Per Share Growth: Diluted operating earnings per share improved to $3.71, up from $3.50 in Q1 2024, indicating growth in profitability.
Share Repurchase Commitment: The company repurchased $10 million in shares during the quarter, demonstrating commitment to capital management and shareholder value.
New Business Submission Growth: New business submission growth was 11% for the quarter, viewed as a positive indicator for future growth opportunities.
Risk Management Strategy: The company maintains a disciplined underwriting model and a robust reinsurance program, which helps manage risk and volatility in financial results.
Negative
Premium Growth Analysis: Growth in premium was 8%, which was below expectations of 10% to 20% across the cycle.
Commercial Property Decline: The Commercial Property division experienced an 18% decrease, which is concerning as it was the largest underwriting unit last year.
Premium Decline Anticipation: The company anticipates writing less premium in the near term due to increased competition and rate declines in the Commercial Property division.
E&S Market Stability and Competition: The overall E&S market remains steady, but competition is increasing, which could impact future growth.
New Business Submission Decline: New business submission growth decreased to 11% from 17% in the previous quarter, indicating a potential slowdown in future growth.
Catastrophe Loss Impact: The combined ratio of 82.1% included 6 points from catastrophe losses, primarily from the California wildfires, which is a significant increase compared to less than 0.5 points in the same quarter last year.
KNSL FAQs
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KNSL Earning Call Sentiment
Kinsale Capital Group, Inc. (KNSL) Q1 2025 Earnings Call Transcript
KNSL.N
-16.33%Positive
The earnings call presents a mixed picture: positive financial performance with increased EPS, premium growth, and a strong ROE, but concerns about declining commercial property premiums and competition. The Q&A reveals confidence in underwriting but also highlights competitive pressures and uncertainties in property lines. Share repurchase plans are modest, limiting positive impact. The lack of guidance on commercial property ratios and economic uncertainties temper overall sentiment. With no clear catalyst for a strong move, the stock price is likely to remain neutral in the short term.
