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AI demand
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Company details
Market cap
$10.5B
P/E ratio
21×
Div yield
0.15%
EPS (TTM)
$21.65
Combined ratio
76%
Rev. growth
+18%
Revenue
$1.9B
Return on equity
~28%
In plain English
Kinsale is a pure-play excess & surplus (E&S) insurer — it writes the hard-to-place commercial risks standard carriers won't touch. A low-cost, all-technology model and tight underwriting give it a ~76% combined ratio (the best in US P&C), so it keeps ~24 cents of every premium dollar as underwriting profit before it even invests the float.
In simple terms
Where Kinsale sits
Kinsale is an underwriter in the excess & surplus corner of insurance. Wholesale brokers bring it the risks standard carriers reject; it prices and carries them, cedes the biggest tail risks to reinsurers, invests the premium float, and pays claims through its own in-house teams.
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