Item 2.02 - Results of Operations and Financial Condition: Company issued a press release on February 12, 2026 announcing financial results for the fourth quarter and full year ended December 31, 2025 Item 9.01 - Financial Statements and Exhibits: Press release announcing Q4 2025 and full year 2025 financial results is furnished as Exhibit 99.1 to the 8-K filing Company Information: Filing is for…

Our analysis rates this filing NEUTRAL. Kinsale Capital presents a balanced risk profile with offsetting positive and negative signals. The primary concern is the material contraction in the Commercial Property Division (largest segment), reflecting competitive pressure from standard carriers and…

Concern level: ELEVATED (5.2/10). Key factors: Commercial Property Division experiencing significant contraction (28.3% Q4 decline, 17.9% full year decline) due to competitive pressure and rate compression in largest business segment; Catastrophe losses increased year-over-year ($24.0M vs $20.2M after-tax), indicating elevated exposure to natural disaster claims with potential for further…

Notable risk changes: Commercial Property Division experiencing significant contraction (28.3% Q4 decline, 17.9% full year decline) due to competitive pressure from standard carriers and lower rates - represents material shift in largest business segment; Catastrophe losses increased year-over-year ($24.0M vs $20.2M after-tax), with 2025 driven by Palisades Fire, indicating elevated exposure to natural disaster…

Q4 2025 Diluted EPS increased 28.0% YoY ($5.99 vs $4.68); Q4 2025 Diluted Operating EPS increased 25.8% YoY ($5.81 vs $4.62); FY 2025 Diluted EPS increased 21.8% YoY ($21.65 vs $17.78).

The model predicts KNSL will underperform the S&P 500 by about 0.0% over 30 days (model confidence 65%). This is model analysis for research, not investment advice.