Exhibit 99.1 Kinsale Capital Group Reports First Quarter 2025 Results Richmond, VA, April 24, 2025 - Kinsale Capital Group, Inc. (NYSE: KNSL) reported net income of $89.2 million, $3.83 per diluted share, for the first quarter of 2025 compared to $98.9 million, $4.24 per diluted share, for the first quarter of 2024. Net income included after-tax catastrophe losses of $17.8 million in the first quarter of 2025 and $0.5 million in the first quarter of 2024. Net operating earnings were $86.4 million, $3.71 per ...

Core Insights - Wall Street analysts forecast Kinsale Capital Group, Inc. (KNSL) will report quarterly earnings of $3.15 per share, reflecting a year-over-year decline of 10% and revenues of $424.32 million, which is an increase of 13.8% compared to the previous year [1] Earnings Estimates - The consensus EPS estimate has been revised 0.2% lower over the last 30 days, indicating a collective reevaluation by analysts [2] - Changes in earnings estimates are crucial for predicting investor reactions, as empirical research shows a strong correlation between earnings estimate revisions and short-term stock performance [3] Revenue Projections - The consensus estimate for 'Revenues- Net investment income' is $43.84 million, indicating a year-over-year change of +33.1% [5] - 'Revenues- Net Earned Premiums' is projected to reach $370.83 million, reflecting a change of +5.6% from the prior-year quarter [5] - 'Revenues- Fee Income' is expected to be $9.37 million, showing a year-over-year change of +15.8% [5] Expense and Ratio Estimates - Analysts predict the 'Expense Ratio' will reach 21.0%, up from 20.7% in the same quarter last year [6] - The 'Combined Ratio' is expected to be 86.9%, compared to 79.5% a year ago [6] - The average prediction for the 'Loss Ratio' is 65.9%, an increase from 58.8% in the previous year [6] Stock Performance - Kinsale Capital Group shares have returned +5.8% over the past month, contrasting with the Zacks S&P 500 composite's -6.9% change [7] - The company holds a Zacks Rank 4 (Sell), suggesting it may underperform the overall market in the near future [7]

Core Insights - The Motley Fool aims to enhance the financial literacy and well-being of individuals by providing investment solutions and market analysis [1] Company Overview - Founded in 1993, The Motley Fool is a financial services company focused on making the world smarter, happier, and richer [1] - The company reaches millions of people monthly through various platforms, including premium investing solutions, free guidance, and market analysis on Fool.com [1] - The Motley Fool also produces top-rated podcasts and operates a non-profit organization, The Motley Fool Foundation [1]

Group 1: Company Performance - Kinsale Capital Group, Inc. (KNSL) closed at $478.23, with a +1.46% movement, outperforming the S&P 500's 3.46% loss on the same day [1] - The company has gained 5.14% in the past month, while the Finance sector lost 4.33% and the S&P 500 lost 5.27% [1] - The upcoming earnings release on April 24, 2025, is expected to report EPS of $3.16, down 9.71% from the prior-year quarter, with revenue estimated at $424.62 million, a 13.9% increase year-over-year [2] Group 2: Earnings Estimates - For the full year, earnings are projected at $17.32 per share and revenue at $1.8 billion, reflecting changes of +7.85% and +13.24% respectively from the previous year [3] - Recent changes to analyst estimates indicate shifting dynamics in short-term business patterns, with positive revisions suggesting optimism about the company's outlook [3] Group 3: Valuation Metrics - Kinsale Capital Group, Inc. is currently trading with a Forward P/E ratio of 25.26, which is a premium compared to the industry average Forward P/E of 10.99 [6] - The company has a PEG ratio of 1.68, compared to the Insurance - Property and Casualty industry's average PEG ratio of 1.86 [7] Group 4: Industry Ranking - The Insurance - Property and Casualty industry is part of the Finance sector and holds a Zacks Industry Rank of 50, placing it in the top 21% of over 250 industries [7] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [8]

Kinsale Capital Group, Inc. (KNSL) has been trading above its 50-day simple moving average (SMA), signaling a short-term bullish trend. Its share price, as of March 27, 2025, was $486.75, down 8.4% from its 52-week high of $531.79.The 50-day SMA is a key indicator for traders and analysts to identify support and resistance levels. It is considered particularly important as this is the first marker of an uptrend or downtrend.With a market capitalization of $11.33 billion, the average volume of shares traded ...

Company Performance - Kinsale Capital Group, Inc. (KNSL) closed at $450.86, reflecting a -1.28% change from the previous session, underperforming the S&P 500's loss of 1.07% [1] - The company's shares gained 1.64% over the previous month, outperforming the Finance sector's loss of 3.42% and the S&P 500's loss of 7.03% [1] Upcoming Earnings - Kinsale Capital Group is expected to report an EPS of $3.17, indicating a 9.43% decline year-over-year, while revenue is projected to be $424.62 million, showing a 13.9% increase compared to the same quarter last year [2] - For the annual period, earnings are anticipated to be $17.34 per share and revenue is expected to reach $1.8 billion, representing increases of +7.97% and +13.28% respectively from the previous year [3] Analyst Projections - Recent shifts in analyst projections for Kinsale Capital Group should be monitored, as positive estimate revisions can indicate optimism about the company's business outlook [4] - The Zacks Rank system, which reflects estimate changes, currently ranks Kinsale Capital Group as 3 (Hold), with the consensus EPS estimate moving 2.94% lower over the past month [6] Valuation Metrics - Kinsale Capital Group has a Forward P/E ratio of 26.34, which is a premium compared to the industry average Forward P/E of 11.85 [7] - The company also has a PEG ratio of 1.76, aligning with the average PEG ratio of the Insurance - Property and Casualty industry [8] Industry Context - The Insurance - Property and Casualty industry is part of the Finance sector and currently holds a Zacks Industry Rank of 38, placing it in the top 16% of over 250 industries [9]

Core Viewpoint - Kinsale Capital Group is a unique specialty insurance company focusing on unusual situations and hard-to-assess risks, distinguishing itself from traditional insurance providers [1] Company Overview - Kinsale is the only publicly traded pure-play specialty insurance company, specializing in excess and surplus lines (E&S) insurance, which is known for its complexity and potential profitability [2] - The company has demonstrated exceptional profitability metrics, characterized by low loss and expense ratios, attributed to its proprietary technology platform [2] Performance Metrics - Since going public in 2016, Kinsale has consistently provided positive returns to shareholders, achieving over 30% revenue growth in the past 12 months and a total return exceeding 2,300% since its IPO, significantly outperforming the S&P 500 [3] - Kinsale is currently the 13th-largest E&S company, capturing approximately 1.4% of a $116 billion market, indicating substantial growth potential in a fragmented industry [4] Market Opportunity - The E&S insurance market presents a massive opportunity for Kinsale, with the potential for significant expansion if the company maintains its growth momentum [4] Current Stock Situation - Despite strong fundamentals and impressive revenue growth, Kinsale's stock has declined by 13% over the past three months, presenting a potential buying opportunity for investors [5]

Core Insights - The logistics sector has seen significant engagement from investors, particularly in the ASEAN and US markets, highlighting a trend towards diversification in investment portfolios [1] - The popularity of insurance companies in the Philippines since 2014 indicates a growing interest in financial products beyond traditional savings [1] - The entry into the US market has been facilitated by personal connections and the use of online platforms for trading, reflecting a shift in investment strategies [1] Investment Focus - The company has diversified investments across various industries, including banking, telecommunications, logistics, and hotels, indicating a broad approach to portfolio management [1] - There is a distinction between long-term holdings for retirement and short-term trades aimed at profit, showcasing a strategic investment approach [1] Market Trends - The rise of blue-chip companies in the Philippines has attracted initial investments, suggesting a trend towards established and stable companies for new investors [1] - The use of analytical tools and comparisons between different markets, such as the US and Philippine markets, demonstrates a methodical approach to investment analysis [1]

Core Insights - Kinsale Capital Group reported a 19.4% growth in operating earnings-per-share and a 12.2% increase in gross written premiums for Q4 2024 compared to Q4 2023 [1] Group 1: Business Model and Profitability - The company maintains a durable business model focused on small excess and surplus (E&S) accounts, which contributes to strong profitability [2] - Kinsale achieved a combined ratio of 73.4% and a full-year 2024 operating return on equity (ROE) of 29%, reflecting effective underwriting and claims handling processes [3] - Management is strategically reducing pricing in high-margin segments to drive growth while sustaining industry-leading profitability [4][5] Group 2: Product Expansion Strategy - Kinsale is expanding its product offerings, recently entering the agribusiness market with a new underwriting unit focused on farm and ranch opportunities [6][7] - The company has established 26 distinct underwriting divisions, allowing for incremental growth while maintaining underwriting discipline [7] Group 3: Future Outlook - Management expresses optimism about growth prospects despite increasing competition, highlighting a durable competitive advantage as a low-cost provider in the E&S market [8][9] - The company is investing in technology, automation, and data analytics to enhance profitability and growth, aiming to improve expense ratios and customer service [9]

Company Performance - Kinsale Capital Group, Inc. (KNSL) closed at $431.85, with a +0.88% change from the previous day, underperforming the S&P 500's gain of 1.59% [1] - The stock has decreased by 2.76% over the past month, compared to the Finance sector's loss of 0.53% and the S&P 500's loss of 2.42% [1] Earnings Estimates - The upcoming earnings release is expected to show an EPS of $3.13, reflecting a 10.57% decline year-over-year [2] - Revenue is projected at $424.62 million, which is a 13.9% increase from the same quarter last year [2] - For the entire fiscal year, earnings are estimated at $17.49 per share and revenue at $1.8 billion, indicating increases of +8.9% and +13.28% respectively from the prior year [3] Analyst Estimates and Rankings - Recent changes in analyst estimates are crucial as they reflect near-term business trends, with positive revisions indicating confidence in the company's performance [4] - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), currently ranks Kinsale Capital Group, Inc. at 3 (Hold) [6] - The Zacks Consensus EPS estimate has decreased by 3.62% in the past month [6] Valuation Metrics - Kinsale Capital Group, Inc. has a Forward P/E ratio of 24.48, which is significantly higher than the industry average of 11.09, indicating a premium valuation [7] - The company's PEG ratio stands at 1.63, compared to the industry average PEG ratio of 1.93 [8] Industry Context - The Insurance - Property and Casualty industry, part of the Finance sector, holds a Zacks Industry Rank of 44, placing it in the top 18% of over 250 industries [9] - Research indicates that the top 50% rated industries outperform the bottom half by a factor of 2 to 1 [9]