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Here's What Key Metrics Tell Us About Kinsale Capital Group (KNSL) Q3 Earnings

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For the quarter ended September 2026, Kinsale Capital Group, Inc. (KNSL - Free Report) reported revenue of $454.8 million, down 8.6% over the same period last year. EPS came in at $5.70, compared to $5.21 in the year-ago quarter.

The reported revenue represents a surprise of -5.02% over the Zacks Consensus Estimate of $478.84 million. With the consensus EPS estimate being $4.95, the EPS surprise was +15.15%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Kinsale Capital Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Expense Ratio: 22% versus the five-analyst average estimate of 21.5%.
  • Combined Ratio: 75.4% versus 80% estimated by five analysts on average.
  • Loss Ratio: 53.4% versus the five-analyst average estimate of 58.5%.
  • Revenues- Net investment income: $58.27 million versus $58.31 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +17.5% change.
  • Revenues- Other income: $0.15 million versus $0.4 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a -80.5% change.
  • Revenues- Net Earned Premiums: $423.47 million versus $408.72 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +3.1% change.
  • Revenues- Fee Income: $11.1 million versus the four-analyst average estimate of $11.58 million. The reported number represents a year-over-year change of +7.8%.

View all Key Company Metrics for Kinsale Capital Group here>>>

Shares of Kinsale Capital Group have returned +11% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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