Kinsale Capital Group (KNSL) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Kinsale Capital Group, Inc. reported a revenue of $412.12 million for the quarter ended December 2024, reflecting a year-over-year increase of 17.4% [1] - The earnings per share (EPS) for the quarter was$ 4.62, up from $3.87 in the same quarter last year, resulting in an EPS surprise of +6.45% against the consensus estimate of$ 4.34 [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $418.32 million, showing a surprise of -1.48% [1] Financial Metrics - Expense Ratio was reported at 21.1%, higher than the estimated 20.4% by six analysts [4] - Combined Ratio stood at 73.4%, better than the estimated 76.3% by six analysts [4] - Loss Ratio was 52.3%, outperforming the average estimate of 55.9% from six analysts [4] - Net investment income was$ 41.86 million, slightly below the average estimate of $42.79 million, but showed a significant year-over-year increase of +37.8% [4] - Net Earned Premiums were reported at$ 359.74 million, compared to the average estimate of $362.66 million, marking a year-over-year increase of +21.2% [4] - Fee Income reached$ 8.55 million, exceeding the estimated $8.33 million, with a year-over-year change of +22.1% [4] - Other income was reported at$ 0.35 million, surpassing the average estimate of $0.15 million, reflecting a year-over-year change of +2.7% [4] Stock Performance - Kinsale Capital Group's shares have returned +9.3% over the past month, outperforming the Zacks S&P 500 composite's +3.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]