Kinsale Capital Group, Inc.

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Kinsale (KNSL) Q2 2025 Earnings Call Transcript

Investors looking for stocks in the Insurance - Property and Casualty sector might want to consider either Progressive (PGR) or Kinsale Capital Group, Inc. (KNSL). But which of these two companies is the best option for those looking for undervalued stocks? Let's take a closer look.
The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank favors stocks with strong earnings estimate revision trends, and our Style Scores highlight companies with specific traits.
Currently, Progressive has a Zacks Rank of #2 (Buy), while Kinsale Capital Group, Inc. has a Zacks Rank of #3 (Hold). Investors should feel comfortable knowing that PGR likely has seen a stronger improvement to its earnings outlook than KNSL has recently. But this is only part of the picture for value investors.
Value investors also tend to look at a number of traditional, tried-and-true figures to help them find stocks that they believe are undervalued at their current share price levels.
Our Value category grades stocks based on a number of key metrics, including the tried-and-true P/E ratio, the P/S ratio, earnings yield, and cash flow per share, as well as a variety of other fundamentals that value investors frequently use.
PGR currently has a forward P/E ratio of 13.79, while KNSL has a forward P/E of 24.49. We also note that PGR has a PEG ratio of 1.44. This metric is used similarly to the famous P/E ratio, but the PEG ratio also takes into account the stock's expected earnings growth rate. KNSL currently has a PEG ratio of 1.65.
Another notable valuation metric for PGR is its P/B ratio of 4.33. The P/B ratio is used to compare a stock's market value with its book value, which is defined as total assets minus total liabilities. For comparison, KNSL has a P/B of 6.01.
These are just a few of the metrics contributing to PGR's Value grade of B and KNSL's Value grade of D.
PGR has seen stronger estimate revision activity and sports more attractive valuation metrics than KNSL, so it seems like value investors will conclude that PGR is the superior option right now.
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PGR or KNSL: Which Is the Better Value Stock Right Now?

Shares of CNO Financial Group, Inc. CNO have lost 2% since it reported second-quarter 2025 results on July 28. The quarterly results were hurt by a rise in total expenses as a result of higher insurance policy benefits and operating costs. Net investment losses pressured margins. Nevertheless, the downside was partly offset by strong annuity collected premiums from annuity, life and health products, rising new annualized premiums and higher fee revenues.
CNO reported second-quarter adjusted earnings per share (EPS) of 87 cents, which beat the Zacks Consensus Estimate by 2.4%. However, the bottom line tumbled 17% year over year.
Operating revenues of $1.2 billion advanced 8% year over year. The top line outpaced the consensus mark by 19.3%.
CNO Financial Group, Inc. Price, Consensus and EPS Surprise
CNO's Q2 Performance
Total insurance policy income inched up 1.5% year over year to $651.3 million but missed the Zacks Consensus Estimate of $653 million. The metric was aided by improved collected premiums from annuity, life and health products.
Net investment losses were $21.8 million, slightly narrower than the prior-year quarter’s loss of $21.9 million. General account assets grew 7.6% year over year to $378.3 million, higher than the consensus mark of $321 million. Policyholder and other special-purpose portfolios of $105.4 million surged 83.6% year over year in the quarter under review. Fee revenues and other income rose 6.4% year over year to $34.9 million.
Annuity collected premiums of $520.5 million improved 19% year over year, while health collected premiums increased 2.3% year over year to $409.5 million. Collected premiums from life products totaled $245.5 million, which inched up 1.3% year over year. The total collected premiums advanced 8.7% year over year to $1.2 billion.
New annualized premiums for health products rose 10.7% year over year, while the same for life products climbed 22.2% year over year. Annuity, Health and Life products accounted for 21.7%, 53.1% and 25.2%, respectively, of CNO's insurance margin.
Total benefits and expenses escalated 12.9% year over year to $1 billion due to higher insurance policy benefits and other operating costs and expenses.
CNO’s Financial Update (As of June 30, 2025)
CNO Financial exited the second quarter with unrestricted cash and cash equivalents of $766 million, which plunged 53.8% from the 2024-end level.
Total assets of $37.3 billion dipped 1.4% from the figure at 2024-end.
The debt-to-capital ratio was 34.6% at the second-quarter end, which improved 760 basis points (bps) from the 2024-end figure.
Total shareholders’ equity inched up 0.3% from the 2024-end level to $2.5 billion.
Book value per common share was $25.92, which increased 4.7% from the figure at 2024-end. Operating return on equity, excluding significant items, improved 120 bps year over year to 11.2% at the second-quarter end.
CNO Financial’s Share Repurchase & Dividend Update
CNO Financial rewarded its shareholders with $100 million in the form of share buybacks and $16.7 million in dividends during the second quarter.
As of June 30, 2025, the company had a leftover repurchase capacity of $540.4 million.
CNO’s 2025 Guidance
CNO Financial continues to anticipate operating EPS in the range of $3.70-$3.90.
For 2025, management still estimates excess cash flow in the band of $200-$250 million to the holding company.
The company currently projects the expense ratio to be in the band of 19-19.2%, narrower than the prior view of 19-19.4%. It still estimates the effective tax rate to be around 23%. Management continues to target achieving leverage within the band of 25-28%.
CNO Financial’s Zacks Rank
CNO Financial currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Insurers
Of the insurance industry players that have reported second-quarter 2025 results so far, the bottom-line results of AXIS Capital Holdings Limited AXS, Arch Capital Group Ltd. ACGL and Kinsale Capital Group, Inc. KNSL beat the respective Zacks Consensus Estimate.
AXIS Capital posted second-quarter 2025 operating income of $3.29 per share, which beat the Zacks Consensus Estimate by 14.2%. The bottom line increased 12.2% year over year. Total operating revenues of $1.6 billion missed the Zacks Consensus Estimate by 3.2%. The top line, however, rose 5.6% year over year. Net premiums written increased 4% to $1.6 billion. Net investment income decreased 2% year over year to $187 million.
AXIS Capital’s underwriting income of $189.2 million increased 17.4% year over year. The combined ratio improved 150 bps to 88.9%. In the Insurance segment, net premiums written increased 8.1% year over year to $1.3 billion. The combined ratio improved 260 bps to 85.3. The Reinsurance segment’s net premiums written decreased 9.1% year over year to $344.9 million. Underwriting income of $37.5 million increased 17.5% year over year.
Arch Capital’s second-quarter 2025 operating income of $2.58 per share beat the Zacks Consensus Estimate by 11.7%. The bottom line increased 0.49% year over year. Gross premiums written improved 15.1% year over year to $6.2 billion. Net premiums written climbed 15% year over year to $4.3 billion on higher premiums written across its Insurance and Reinsurance segments. Pre-tax net investment income increased 11.3% year over year to $405 million.
Operating revenues of $4.8 billion rose 20.9% year over year. It beat the Zacks Consensus Estimate by 2.62%. Arch Capital’s underwriting income increased 7.3% year over year to $818 million. The combined ratio, the percentage of premiums paid out as claims and expenses, deteriorated 250 bps to 81.2. In the Insurance unit, net premiums written climbed 30.7% year over year to $2 billion. Underwriting income of $129 million was 18.3% higher than the year-ago number
Kinsale Capital delivered second-quarter 2025 net operating earnings of $4.78 per share, which outpaced the Zacks Consensus Estimate by 8.4%. The bottom line increased 27.5% year over year. Operating revenues increased 22.2% year over year to $470 million. Revenues beat the Zacks Consensus Estimate of $434 million. Gross written premiums of $555.5 million rose 4.9% year over year.
Net written premiums climbed 6.6% year over year to $458.7 million in the quarter. Net investment income increased 29.6% year over year to $46.5 million in the quarter. Kinsale Capital’s underwriting income was $95.5 million, which grew 25.5% year over year. The combined ratio improved 190 bps to 75.8 in the quarter under review. The expense ratio improved 40 bps to 20.7 in the quarter. The loss ratio improved 150 bps to 55.1.
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CNO Q2 Earnings Beat Estimates on Strong Annuity Collected Premiums

Key Points
- Earnings per share (EPS, non-GAAP) of $4.78 topped analyst estimates by 8.39% in Q2 2025.
- Gross written premiums growth slowed to 4.9%, due mainly to a contraction in the Commercial Property division.
- The combined ratio improved to 75.8%, reflecting continued strong underwriting profitability.
Kinsale Capital Group (NYSE:KNSL), a specialty property and casualty insurer focusing on the excess and surplus (E&S) market, released its results for the quarter on July 24, 2025. The main news was a clear outperformance on key metrics: non-GAAP EPS reached $4.78 (versus estimates of $4.41). Gross written premium growth decelerated compared to the prior year due to heavy competition and rate pressure in its Commercial Property division. The quarter saw operating returns and profit margins remain well above industry averages, with operating return on equity (non-GAAP) at 27.0%, confirming the company’s cost discipline and niche market focus even as top-line growth faced headwinds.
Metric
Q2 2025
Q2 2025 Estimate
Q2 2024
Y/Y Change
EPS (Non-GAAP)
$4.78
$4.41
$3.75
27.5%
Revenue (GAAP)
$469.8 million
$424.2 million
$384.6 million
22.2%
Net Investment Income
$46.5 million
$35.8 million
29.9%
Gross Written Premiums
$555.5 million
$529.8 million
4.8%
Underwriting Income (Non-GAAP)
$95.5 million
$76.1 million
25.5%
Combined Ratio
75.8%
77.7%
(1.9) pp
About Kinsale Capital Group and Its Business Approach
Kinsale Capital Group is an insurer that specializes in the E&S market. This space covers unusual or hard-to-place risks that most standard insurers avoid, such as new businesses, high-risk operations, and those located in more litigious jurisdictions. Its core expertise lies in individually underwriting each account, allowing it to maintain tighter control and higher margins in a part of the insurance world that is less price competitive than the standard market.
In recent years, Kinsale has focused on three main drivers: disciplined underwriting, proprietary technology for cost efficiency, and careful catastrophe risk management. Nearly all of its premium volume comes from commercial lines, particularly smaller E&S accounts where the company maintains full control over pricing and risk selection. Its integrated technology platform helps keep operating costs among the lowest in the industry, which has supported both profitability and market expansion.
Highlights and Key Developments During the Quarter
The company delivered record net income and strong beats on both non-GAAP EPS and GAAP revenue. Net income (GAAP) rose to $134.1 million. Operating return on equity, a key measure of profitability for insurers and calculated as annualized net income or operating earnings divided by equity, remained well above industry averages at 27.0% (non-GAAP). Underwriting income, which is net earned premiums minus claims and operating expenses, rose 25.5% compared to the same period last year. The combined ratio--which measures the percentage of premiums spent on claims and overhead (with anything below 100% considered profitable)--improved from 77.7% to 75.8%.
Gross written premiums, the amount of new insurance business booked during the period, increased by 4.9%. While this was still positive, it was a step down from previous double-digit increases. The slowdown was concentrated in the Commercial Property division, where gross written premium declined by 16.8%. Management attributed this to industry-wide premium rate declines of about 20% and intensified competition earlier in the year. Excluding Commercial Property, other divisions grew gross written premiums by 14.3%, showing healthy activity in smaller property, casualty, and personal lines insurance products.
The company’s investment portfolio also contributed positively, with net investment income up 29.6% due to a larger pool of assets and steady fixed-income yields. The annualized gross investment return was 4.3% for the first half of the year, and the portfolio remained conservatively positioned with high credit quality (AA- average) and a weighted average duration of just over three years. Cash and investments rose from $4.1 billion to $4.6 billion since year end. Book value per share (GAAP) increased 15.96% from $63.75 at December 31, 2024, to $73.93 at June 30, 2025.
However, Year-to-date after-tax catastrophe losses rose sharply to $20.8 million for the first half of the year from $3.2 million for the first half of 2024, reflecting events earlier in the year. The company continued incremental stock buybacks ($10 million), and annualized operating return on equity moderated from 28.8 % to 24.7 %, with the change mainly reflecting a larger equity base and the impact of higher catastrophe claims.
Kinsale Capital Group’s Product Lines and Market Focus
Kinsale’s largest segment is Commercial Property insurance, covering physical plants and buildings for higher-risk businesses. The downturn in this division caused growth to decelerate. Competition intensified as both other E&S carriers and traditional insurers sought to write more property business in response to prior years’ gains. With rates for this line having fallen from their mid-2024 peak, management highlighted that it will focus on profitability over growth, and will not write policies at prices it considers too aggressive for the risk.
The company’s personal lines, which include products such as high-value homeowners, manufactured homes, and niche property policies, continued to expand at a double-digit pace. Management noted that new opportunities are emerging here, especially in market-disrupted states like California. Other casualty lines, such as commercial auto and general casualty, saw modest pricing and overall premium growth. Submission growth, a leading indicator for future written premium, grew 11% outside of Commercial Property lines, signaling a positive growth trend in non-property segments.
Kinsale’s proprietary technology platform underpins its efficiency.
In response to volatile catastrophe claims across the insurance market, the company deploys detailed catastrophe models and maintains a robust reinsurance program. This spreads risk across other insurers and helps limit any single event’s financial impact. Management emphasized its continued conservative approach, with book reserves for claims held at high levels, especially for long-tail lines like construction insurance. The company reported net favorable prior year reserve development, indicating that prior estimates of eventual claim payouts were generally conservative and actual costs have been lower than expected.
Looking Ahead: Management’s Perspective and Forward-Looking Themes
The company did not issue quantitative forward guidance for the coming quarter or fiscal year. However, management commented that growth headwinds in the Commercial Property division should ease in the latter half of the year, as most property renewals occur in the first half and premium comparisons get easier, but company-wide gross written premium growth is likely to remain more modest unless market pricing or competitive conditions shift.
Investors should watch the evolution of competitive intensity in the E&S market, especially as new entrants and “fronting companies” seek market share. Management is confident that current levels of competition, particularly from less efficient competitors writing business at slim or negative margins, are not sustainable long-term. Additionally, the recent spike in catastrophe losses year-to-date highlights the importance of risk management and reserving discipline. Trends in prior-year reserve development will be an ongoing signal of underwriting quality, while the company continues to perform regular, incremental share repurchases each quarter, with larger purchases expected opportunistically.
Revenue and net income presented using U.S. generally accepted accounting principles (GAAP) unless otherwise noted.
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JesterAI is a Foolish AI, based on a variety of Large Language Models (LLMs) and proprietary Motley Fool systems. All articles published by JesterAI are reviewed by our editorial team, and The Motley Fool takes ultimate responsibility for the content of this article. JesterAI cannot own stocks and so it has no positions in any stocks mentioned. The Motley Fool has positions in and recommends Kinsale Capital Group. The Motley Fool has a disclosure policy.
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Kinsale Reports Q2 Profit Surge

Kinsale Capital Group KNSL delivered second-quarter 2025 net operating earnings of $4.78 per share, which outpaced the Zacks Consensus Estimate by 8.4%. The bottom line increased 27.5% year over year. The results reflected the continued execution of the company’s strategy of disciplined underwriting
KNSL’s Operational Update
Operating revenues increased 22.2% year over year to $470 million. Growth can primarily be attributed to a rise in premiums, fee income, higher net investment income and other income. Revenues beat the Zacks Consensus Estimate of $434 million.
Kinsale Capital Group, Inc. Price, Consensus and EPS Surprise
Gross written premiums of $555.5 million rose 4.9% year over year, driven by strong submission flow from brokers and a favorable pricing environment. Our estimate was $623.1 million.
Net written premiums climbed 6.6% year over year to $458.7 million in the quarter. Our estimate was pegged at $473.5 million.
Net investment income increased 29.6% year over year to $46.5 million in the quarter. Our estimate was $46.8 million. The year-over-year increase was driven by growth in the company's investment portfolio generated primarily from the investment of strong operating cash flows and higher interest rates. The Zacks Consensus Estimate was pegged at $47.1 million.
Total expenses increased 12.2% year over year to $301.5 million due to a rise in losses and loss adjustment expenses, underwriting, acquisition and insurance expenses. Our estimate was pegged at $299.2 million.
Kinsale Capital’s underwriting income was $95.5 million, which grew 25.5% year over year. The increase was due to a combination of premium growth and lower net commissions. Our estimate was $85.2 million.
The combined ratio improved 190 basis points (bps) to 75.8 in the quarter under review. The Zacks Consensus Estimate was 78. Our estimate was 77.5.
The expense ratio improved 40 bps to 20.7 in the quarter. Our estimate was 22.3, while the Zacks Consensus Estimate was 20.8.
The loss ratio improved 150 bps to 55.1. Our estimate for the loss ratio was 55.2, while the Zacks Consensus Estimate was 57.
Financial Update
Kinsale Capital exited the second quarter of 2025 with cash and cash equivalents of $138 million, which increased 21.2% from the 2024-end level.
As of June 30, 2025, stockholders’ equity increased 16.1% to $1.7 billion from the 2024-end level. Book value per share was $73.93 as of June 30, 2025, up 16% from the 2024-end level.
Net operating cash flows were $498.8 million in the first half of 2025, up 1.95% year over year.
Annualized operating return on equity contracted 180 bps year over year to 27% in the reported quarter.
KNSL repurchased $10 million worth of shares in the second quarter of 2025.
KNSL’s Zacks Rank
KNSL currently has a Zacks Rank #3 (Hold).
Performance of Other Insurers
First American Financial FAF reported a second-quarter 2025 operating income per share of $1.53, which beat the Zacks Consensus Estimate by 9.3%. The bottom line increased 20.5% year over year. Operating revenues of $1.8 billion increased 14.2% year over year due to higher direct premiums and escrow fees, agent premiums, as well as information and other and net investment income. The top line beat the Zacks Consensus Estimate by 5%. Operating revenues of $1.8 billion increased 14.2% year over year due to higher direct premiums and escrow fees, agent premiums, as well as information and other and net investment income. The top line beat the Zacks Consensus Estimate by 5%.
Chubb Limited CB reported second-quarter 2025 core operating income of $6.14 per share, which outpaced the Zacks Consensus Estimate by 4.2%. The bottom line increased 14.1% year over year. Net premiums written improved 6.3% year over year to $14.2 billion in the quarter, which is in line with the Zacks Consensus Estimate. Our estimate was pegged at $14 billion. Net investment income was $1.5 billion, up 6.8 % year over year. The Zacks Consensus Estimate was pegged at $1.8 billion, while our estimate for the same was $1.9 billion. Revenues of $14.8 million missed the Zacks Consensus Estimate by a whisker but improved 6.9% year over year.
RLI Corp. RLI reported second-quarter 2025 operating earnings of 84 cents per share, beating the Zacks Consensus Estimate by 12%. The bottom line, however, decreased 2.3% from the prior-year quarter. Operating revenues for the reported quarter were $441 million, up 6.9% year over year, driven by 6% higher net premiums earned and 16% higher net investment income. The top line, however, missed the Zacks Consensus Estimate by 0.5%. Net investment income increased 16% year over year to $39.4 million, which is in line with our estimate. The Zacks Consensus Estimate was pegged at $38.9 million. The investment portfolio’s total return was 2.9% in the quarter.
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KNSL's Q2 Earnings, Revenues Beat Estimates, Premiums Rise Y/Y

Kinsale Capital Group, Inc. (KNSL) came out with quarterly earnings of $4.78 per share, beating the Zacks Consensus Estimate of $4.41 per share. This compares to earnings of $3.75 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +8.39%. A quarter ago, it was expected that this company would post earnings of $3.15 per share when it actually produced earnings of $3.71, delivering a surprise of +17.78%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
Kinsale Capital Group, which belongs to the Zacks Insurance - Property and Casualty industry, posted revenues of $469.81 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 8.25%. This compares to year-ago revenues of $384.55 million. The company has topped consensus revenue estimates two times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Kinsale Capital Group shares have added about 3% since the beginning of the year versus the S&P 500's gain of 8.1%.
What's Next for Kinsale Capital Group?
While Kinsale Capital Group has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Kinsale Capital Group was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $4.59 on $443.81 million in revenues for the coming quarter and $17.76 on $1.75 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Insurance - Property and Casualty is currently in the top 38% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Berkshire Hathaway B (BRK.B), another stock in the same industry, has yet to report results for the quarter ended June 2025.
This company is expected to post quarterly earnings of $5.24 per share in its upcoming report, which represents a year-over-year change of -2.6%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
Berkshire Hathaway B's revenues are expected to be $98.5 billion, up 5.2% from the year-ago quarter.
Should You Invest in Kinsale Capital Group, Inc. (KNSL)?
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Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Kinsale Capital Group, Inc. (KNSL) Q2 Earnings and Revenues Beat Estimates

The following companies are expected to report earnings after hours on 07/24/2025. Visit our Earnings Calendar for a full list of expected earnings releases.
Intel Corporation (INTC)is reporting for the quarter ending June 30, 2025. The semiconductor company's consensus earnings per share forecast from the 14 analysts that follow the stock is $-0.14. This value represents a no change for the same quarter last year. Zacks Investment Research reports that the 2025 Price to Earnings ratio for INTC is -75.77 vs. an industry ratio of 0.50.
Newmont Corporation (NEM)is reporting for the quarter ending June 30, 2025. The gold mining company's consensus earnings per share forecast from the 6 analysts that follow the stock is $1.06. This value represents a 47.22% increase compared to the same quarter last year. NEM missed the consensus earnings per share in the 3rd calendar quarter of 2024 by -2.41%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for NEM is 13.01 vs. an industry ratio of 1.20, implying that they will have a higher earnings growth than their competitors in the same industry.
Deutsche Bank AG (DB)is reporting for the quarter ending June 30, 2025. The bank (foreign) company's consensus earnings per share forecast from the 2 analysts that follow the stock is $0.78. This value represents a 290.24% increase compared to the same quarter last year. Zacks Investment Research reports that the 2025 Price to Earnings ratio for DB is 9.15 vs. an industry ratio of 11.20.
Digital Realty Trust, Inc. (DLR)is reporting for the quarter ending June 30, 2025. The reit company's consensus earnings per share forecast from the 9 analysts that follow the stock is $1.74. This value represents a 5.45% increase compared to the same quarter last year. In the past year DLR has met analyst expectations once and beat the expectations the other three quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for DLR is 25.42 vs. an industry ratio of 12.40, implying that they will have a higher earnings growth than their competitors in the same industry.
Edwards Lifesciences Corporation (EW)is reporting for the quarter ending June 30, 2025. The medical instruments company's consensus earnings per share forecast from the 11 analysts that follow the stock is $0.62. This value represents a 11.43% decrease compared to the same quarter last year. In the past year EW has met analyst expectations twice and beat the expectations the other two quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for EW is 31.26 vs. an industry ratio of 5.50, implying that they will have a higher earnings growth than their competitors in the same industry.
Comfort Systems USA, Inc. (FIX)is reporting for the quarter ending June 30, 2025. The building company's consensus earnings per share forecast from the 3 analysts that follow the stock is $4.68. This value represents a 25.13% increase compared to the same quarter last year. In the past year FIX has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 29.78%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for FIX is 28.42 vs. an industry ratio of 32.00.
Weyerhaeuser Company (WY)is reporting for the quarter ending June 30, 2025. The building company's consensus earnings per share forecast from the 5 analysts that follow the stock is $0.10. This value represents a 52.38% decrease compared to the same quarter last year. WY missed the consensus earnings per share in the 2nd calendar quarter of 2024 by -4.55%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for WY is 61.81 vs. an industry ratio of 30.50, implying that they will have a higher earnings growth than their competitors in the same industry.
Deckers Outdoor Corporation (DECK)is reporting for the quarter ending June 30, 2025. The retail (shoe) company's consensus earnings per share forecast from the 11 analysts that follow the stock is $0.68. This value represents a 9.33% decrease compared to the same quarter last year. In the past year DECK has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 75.44%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for DECK is 17.87 vs. an industry ratio of 21.30.
Healthpeak Properties, Inc. (DOC)is reporting for the quarter ending June 30, 2025. The reit company's consensus earnings per share forecast from the 6 analysts that follow the stock is $0.46. This value represents a 2.22% increase compared to the same quarter last year. In the past year DOC has met analyst expectations once and beat the expectations the other three quarters. Zacks Investment Research reports that the 2025 Price to Earnings ratio for DOC is 10.30 vs. an industry ratio of 12.40.
Gaming and Leisure Properties, Inc. (GLPI)is reporting for the quarter ending June 30, 2025. The reit company's consensus earnings per share forecast from the 8 analysts that follow the stock is $0.94. This value represents a no change for the same quarter last year. In the past year GLPI has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 2.13%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for GLPI is 12.53 vs. an industry ratio of 12.40, implying that they will have a higher earnings growth than their competitors in the same industry.
Kinsale Capital Group, Inc. (KNSL)is reporting for the quarter ending June 30, 2025. The insurance (property & casualty) company's consensus earnings per share forecast from the 9 analysts that follow the stock is $4.41. This value represents a 17.60% increase compared to the same quarter last year. In the past year KNSL has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 17.78%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for KNSL is 26.98 vs. an industry ratio of 10.50, implying that they will have a higher earnings growth than their competitors in the same industry.
Ovintiv Inc. (OVV)is reporting for the quarter ending June 30, 2025. The oil company's consensus earnings per share forecast from the 6 analysts that follow the stock is $1.04. This value represents a 16.13% decrease compared to the same quarter last year. In the past year OVV has beat the expectations every quarter. The highest one was in the 1st calendar quarter where they beat the consensus by 18.33%. Zacks Investment Research reports that the 2025 Price to Earnings ratio for OVV is 7.43 vs. an industry ratio of 7.10, implying that they will have a higher earnings growth than their competitors in the same industry.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

After-Hours Earnings Report for July 24, 2025 : INTC, NEM, DB, DLR, EW, FIX, WY, DECK, DOC, GLPI, KNSL, OVV

Kinsale Capital Group, Inc. KNSLhas been trading above its 50-day simple moving average (SMA), signaling a short-term bullish trend. Its share price as of Friday was $480.18, down 9.7% 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.
Image Source: Zacks Investment Research
KNSL’s Price Performance
Shares of Kinsale Capital have gained 3.2% year to date, underperforming its industry, the Finance sector, and the Zacks S&P 500 Composite’s growth of 4%, 9.2% and 6.5%, respectively, in the same time frame.
Kinsale Capital has outperformed its peers, including CNA Financial Corporation CNA, American Financial Group, Inc. AFG and Arch Capital Group Ltd. ACGL. Shares of CNA, AFG and ACGL have lost 8.5%, 6.9% and 4.3%, respectively, in the year-to-date period.
The insurer has a market capitalization of $11.19 billion. The average volume of shares traded in the last three months was 0.2 million.
KNSL vs Industry, Sector & S&P 500 YTD
Image Source: Zacks Investment Research
KNSL Shares are Overvalued
Kinsale Capital shares are trading at a premium to the Zacks Property and Casualty Insurance industry. Its price-to-book value of 7.07X is higher than the industry average of 1.52X.
Image Source: Zacks Investment Research
KNSL’s Growth Projection Encourages
The Zacks Consensus Estimate for Kinsale Capital’s 2025 earnings per share indicates a year-over-year increase of 10.6%. The consensus estimate for revenues is pegged at $1.75 billion, implying a year-over-year improvement of 10.4%. The consensus estimate for 2026 earnings per share and revenues indicates an increase of 15.1% and 12%, respectively, from the corresponding 2025 estimates.
Kinsale Capital has an impressive Growth Score of B. This style score helps analyze the growth prospects of a company.
Earnings Surprise History
Kinsale Capital surpassed earnings estimates in each of the last four quarters, the average being 11.07%.
Optimist Analyst Sentiment on KNSL
The Zacks Consensus Estimate for 2025 and 2026 earnings has moved up by 0.1% and 0.3% in the past seven days, respectively.
Image Source: Zacks Investment Research
Average Target Price for KNSL Suggests Upside
Based on short-term price targets offered by nine analysts, the Zacks average price target is $489.44 per share. The average suggests a potential 1.2% upside from the last closing price.
Image Source: Zacks Investment Research
Key Points to Note for KNSL
Kinsale Capital maintains an exclusive focus on the U.S. excess and surplus (E&S) lines market, which has demonstrated strong performance driven by improved margins and lower loss ratios. This favorable trend has contributed to robust underwriting results for the property and casualty (P&C) insurer. With ongoing market dislocation, Kinsale Capital remains well-positioned to benefit from increased submission flow and enhanced pricing discipline.
A strong network of independent brokers and disciplined underwriting has helped Kinsale Capital consistently improve its combined ratio. The company has maintained an underlying combined ratio below 95% in recent years and aims to sustain this performance.
Kinsale Capital’s proprietary technology platform gives it a competitive edge, enabling scalable growth, enhanced customer interactions, and improved cost control. Its focus on automation and analytics has helped lower the expense ratio in recent years while boosting operational efficiency.
Kinsale Capital remains cautious about the impact of persistent inflation, which could prolong hard market conditions and pressure insurer margins. The company expects inflation to drive up medical expenses, wages, construction costs, and legal fees, potentially influencing pricing strategies across the sector.
Conclusion
Kinsale Capital’s strategy centers on disciplined underwriting, a dedicated focus on the E&S market, and the use of proprietary technology to drive operational efficiency. Combined with consistent capital return initiatives through dividends and share repurchases, these elements highlight the company’s current priorities and long-term approach to business growth.
However, given its expensive valuation, it is better to wait for some more time before taking a call on this Zacks Rank #3 (Hold) stock. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Kinsale Capital Trades Above 50-Day SMA: Time to Buy the Stock?

W.R. Berkley Corporation WRB is expected to register an improvement in its top line but a decline in its bottom line when it reports second-quarter 2025 results on July 21, after market close.
The Zacks Consensus Estimate for WRB’s second-quarter revenues is pegged at $3.45 billion, indicating 2.4% growth from the year-ago reported figure. The consensus estimate for earnings is pegged at $1.03 per share. The Zacks Consensus Estimate for WRB’s second-quarter earnings has moved down 2.8% in the past 30 days. The estimate suggests a year-over-year decrease of 0.9%. (Find the latest EPS estimates and surprises on Zacks Earnings Calendar.)
What the Zacks Model Unveils
Our proven model does not conclusively predict an earnings beat for W.R. Berkley this time around. This is because a stock needs to have the right combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). This is not the case, as you can see below:
Earnings ESP: W.R. Berkley has an Earnings ESP of -1.20%. This is because the Most Accurate Estimate of $1.02 is pegged lower than the Zacks Consensus Estimate of $1.03. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
W.R. Berkley Corporation Price and EPS Surprise
Zacks Rank: W.R. Berkley currently carries a Zacks Rank #3.
Factors to Consider
Gross premiums written in the Insurance segment are likely to have benefited from the well-performing other liability, short-tail lines, professional liability, workers' compensation and commercial auto. We expect the metric to be $3.5 billion, indicating an increase of 6.2% from the year-ago reported number.
Reinsurance & Monoline Excess segment’s gross premiums written are expected to have improved, banking on well-performing monoline excess and property reinsurance. We expect the metric to be $412.9 million, suggesting a rise of 15.7% from the year-ago reported number.
The Zacks Consensus Estimate for second-quarter 2025 premiums earned is pegged at $3 billion, indicating an increase of 7.8% from the year-ago reported quarter. Our estimate for the metric is pegged at $3 billion, indicating a 7.3% upside from the year-ago reported number.
The rise in income from investment funds, primarily due to transportation funds and financial services funds, and an increase in real estate are likely to have aided net investment income. The Zacks Consensus Estimate for second-quarter 2025 net investment income is pegged at $358 million, indicating a decrease of 3.7% from the year-ago reported quarter. We estimate the metric to be $358.4 million.
Improvement in premiums, coupled with higher investment income, is likely to have aided the top line in the to-be-reported quarter.
Higher losses and loss expenses, other operating costs and expenses, and expenses from non-insurance businesses are likely to have increased costs. We expect total expenses to increase 7.6% to $3 billion.
Growth in net premiums earned and a non-recurring benefit associated with compensation costs are likely to have contributed to the improved expense ratio. We estimate the metric to be 27.58 in the to-be-reported quarter.
Better pricing and increased exposure, coupled with prudent underwriting, are expected to have aided underwriting profitability, which, in turn, is likely to have led to an improvement in the combined ratio. The Zacks Consensus Estimate and our estimate for the combined ratio are both pegged at 91.
Continued share buybacks are likely to have provided additional support to the bottom line.
Stocks to Consider
Here are three P&C insurance stocks you may want to consider, as our model shows that these have the right combination of elements to post an earnings beat:
Chubb Limited CB has an Earnings ESP of +1.11% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for second-quarter 2025 earnings is pegged at $5.85, indicating a year-over-year increase of 8.7%. You can see the complete list of today’s Zacks #1 Rank stocks here.
CB’s earnings beat estimates in each of the last four reported quarters.
Kinsale Capital Group, Inc. KNSL has an Earnings ESP of +1.03% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for second-quarter 2025 earnings is pegged at $4.41, indicating a year-over-year increase of 17.6%.
KNSL’s earnings beat estimates in each of the last four reported quarters.
RenaissanceRe Holdings Ltd. RNR has an Earnings ESP of +2.76% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for second-quarter 2025 earnings is pegged at $9.98, indicating a year-over-year decrease of 19.5%.
RNR’s earnings beat estimates in three of the last four reported quarters and missed in one.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

W.R. Berkley Gears Up to Report Q2 Earnings: What's in the Cards?

The Progressive Corporation PGR is expected to register an improvement in its top and bottom lines when it reports second-quarter 2025 results on July 16, before the opening bell.
The Zacks Consensus Estimate for PGR’s second-quarter revenues is pegged at $21.5 billion, indicating 17.9% growth from the year-ago reported figure.
The consensus estimate for earnings is pegged at $4.30 per share. The Zacks Consensus Estimate for PGR’s second-quarter earnings has moved up 9.4% in the past 30 days. The estimate suggests year-over-year growth of 62.3%.
Decent Earnings Surprise History
Progressive’s earnings beat the Zacks Consensus Estimates in three of the trailing four quarters and missed in one, the average surprise being 13.98%.
What the Zacks Model Unveils for PGR
Our proven model predicts an earnings beat for Progressive this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the chances of an earnings beat.
You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Earnings ESP: PGR has an Earnings ESP of +2.41%. This is because the Most Accurate Estimate of $4.41 is pegged higher than the Zacks Consensus Estimate of $4.30.
The Progressive Corporation Price and EPS Surprise
Zacks Rank: PGR carries a Zacks Rank #3. You can see the complete list of today’s Zacks #1 Rank stocks here.
(Find the latest earnings estimates and surprises on Zacks Earnings Calendar.)
Factors Likely to Shape Q2 Results
An increase in premiums, higher net investment income and fees and service revenues are likely to have favored revenues in the second quarter.
A compelling product portfolio, leadership position, strength in the Vehicle and Property businesses, healthy policies in force and solid retention are likely to have aided net premiums earned. The Zacks Consensus Estimate for net premiums earned is pegged at $20.2 billion.
The personal auto business is likely to have benefited from competitive product offerings and a strong market presence. Focusing on segmentation and prudent risk selection is likely to have aided policies in force. Both agency and direct auto channels are likely to have driven policy growth. The consensus estimate for personal auto policies in force is pegged at 25.7 million.
A larger invested asset base is likely to have aided improvement in net investment income. The Zacks Consensus Estimate for the metric is pegged at $861 million. The insurer is likely to have benefited from pretax net realized gains on securities. The Zacks Consensus Estimate for the metric is pegged at $103.3 million.
Higher loss and loss-adjustment expenses, policy acquisition costs and other underwriting expenses are likely to have increased expenses. The consensus mark for loss and loss-adjustment expense ratio is pegged at 69.
The second quarter escaped the brutality of catastrophic events, which is likely to benefit underwriting results. This coupled with prudent underwriting is likely to have aided improvement in the combined ratio. The consensus mark for combined ratio is pegged at 89.
Other Stocks to Consider
Some other P&C insurance stocks with the right combination of elements to deliver an earnings beat this time around are:
Arch Capital Group Ltd. ACGL has an Earnings ESP of +7.92% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for second-quarter 2025 earnings is pegged at $2.34, indicating a year-over-year decrease of 8.9%
ACGL’s earnings beat estimates in each of the last four reported quarters.
Kinsale Capital Group, Inc. KNSL has an Earnings ESP of +2.33% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for second-quarter 2025 earnings is pegged at $4.39, indicating a year-over-year increase of 17%
KNSL’s earnings beat estimates in each of the last four reported quarters.
RenaissanceRe Holdings Ltd. RNR has an Earnings ESP of +2.16% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for second-quarter 2025 earnings is pegged at $10.19, indicating a year-over-year decrease of 17.8%.
RNR’s earnings beat estimates in three of the last four reported quarters and missed in one.
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Indicator	TTM Median
P/E	25.54 13.37
Price/Sales	6.85 1.92
P/B	7.41 1.10
P/FCF	10.88 10.25

Indicator	TTM Median
ROE	33.05 10.06
ROA	9.66 1.13
Net Worth	10.46 0.99
Quick Ratio	0.00 1.40
Current Ratio	0.08 0.96

Indicator	TTM Median
Net Profit Margin	26.78 15.86
Operating Margin	33.73 21.72
Gross Margin	33.99 68.17
Return on tangible equity	33.15 12.03

Indicator	TTM Median
EPS	4.20 0.60
EPS Forecast	3.70 0.61
Revenue	418.00M 85.50M
Gross Profit	148.00M —
EBITDA	147.00M —

Kinsale Capital Group, Inc.

Fundamental KNSL

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