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Kinsale Capital Group (KNSL) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 22, 2026 · Kinsale Capital Group (KNSL) Q3 2026 earnings results →
Q3 2026 Revenue down 9% year over year to $455M · 22¢ of every $1 of revenue kept as net profit · operating margin 27.2%
Kinsale Capital Group made $455M in Q3 2026 (-9% Y/Y). Operating margin 27.2%, net earnings $98.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 22, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $454.8M in Q3 2026, down 9% year over year and down 17% from the previous quarter.
Operating profit was $123.6M, a 27.2% margin (down 8.8 points year over year). Total costs grew 4% against a revenue fall of 9%. Net earnings were $98.1M, down 31% year over year. The effective tax rate was 20.6%.
Operating cash flow was $264.1M (down 13% year over year), 269% of net earnings. Non-cash charges added back $5.3M of share-based compensation. Working capital and other items added $160.7M. Capital expenditures of $2.3M left free cash flow of $261.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 22, 2026 | $455M | -9% | 27.2% | $98.1M | $264M |
| Q2 2026 | 10-Q | Jul 23, 2026 | $549M | +17% | 40.1% | $176M | $242M |
| Q1 2026 | 10-Q | Apr 23, 2026 | $467M | +10% | 29.9% | $113M | $249M |
| Q4 2025 | 10-K | Feb 20, 2026 | $483M | +17% | 36.2% | $139M | $241M |
| Q3 2025 | 10-Q | Oct 23, 2025 | $498M | +19% | 36.0% | $142M | $303M |
| Q2 2025 | 10-Q | Jul 24, 2025 | $470M | +22% | 35.8% | $134M | $269M |
| Q1 2025 | 10-Q | Apr 24, 2025 | $423M | +14% | 26.5% | $89.2M | $230M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Kinsale Capital Group
Kinsale is a property and casualty insurance company that focuses exclusively on the excess and surplus lines ("E&S") market in the U.S., where we can use our underwriting expertise to write coverages for hard-to-place risks. We sell these insurance products in all 50 states, the District of Columbia, the Commonwealth of Puerto Rico and the U.S. Virgin Islands primarily through a network of independent insurance brokers. Our experienced and cohesive management team has an average of over 30 years of relevant experience. Our goal is to deliver long-term value for our stockholders by growing our business and generating attractive returns. We seek to accomplish this by generating consistent and attractive underwriting profits while managing our capital prudently.
In its own words, from its 10-K, filed Feb 20, 2026.
Kinsale Capital Group against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -9% against the peers' median +2%. Operating margin: 27.2% against the peers' median 15.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| KNSL Kinsale Capital Group | Q3 2026 | $455M | -9% | 27.2% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: Kinsale Capital Group 10-Q on SEC EDGAR · CIK 1669162 · Fire, Marine & Casualty Insurance
13F: who owns KNSL and who is buying
More on KNSL
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results