Kinsale Capital Group, Inc.

Kinsale Capital Group (NYSE: KNSL) hasn't exactly been a strong performer lately, as competitive headwinds are weighing on the company's growth. In this video, I'll give my honest take on why the stock has performed so poorly and why I'm still holding my shares for the long term.
*Stock prices used were the morning prices of March 11, 2026. The video was published on March 14, 2026.
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Matt Frankel, CFP has positions in Kinsale Capital Group. The Motley Fool has positions in and recommends Kinsale Capital Group. The Motley Fool has a disclosure policy.
Matthew Frankel is an affiliate of The Motley Fool and may be compensated for promoting its services. If you choose to subscribe through their link they will earn some extra money that supports their channel. Their opinions remain their own and are unaffected by The Motley Fool.
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 Is Down Bad -- Here's Why I'm Still Holding

Kinsale Capital Group, Inc. (KNSL) ended the recent trading session at $450.33, demonstrating a +1.9% swing from the preceding day's closing price. The stock's change was more than the S&P 500's daily loss of 0.76%. Elsewhere, the Dow saw a downswing of 0.28%, while the tech-heavy Nasdaq depreciated by 1.2%.
The company's stock has climbed by 3.18% in the past month, falling short of the Finance sector's gain of 4.85% and outpacing the S&P 500's gain of 2.71%.
The investment community will be paying close attention to the earnings performance of Kinsale Capital Group, Inc. in its upcoming release. The company is slated to reveal its earnings on February 13, 2025. The company is forecasted to report an EPS of $4.34, showcasing a 12.14% upward movement from the corresponding quarter of the prior year. Meanwhile, the Zacks Consensus Estimate for revenue is projecting net sales of $418.32 million, up 19.12% from the year-ago period.
Investors should also pay attention to any latest changes in analyst estimates for Kinsale Capital Group, Inc. Recent revisions tend to reflect the latest near-term business trends. As a result, upbeat changes in estimates indicate analysts' favorable outlook on the company's business health and profitability.
Our research demonstrates that these adjustments in estimates directly associate with imminent stock price performance. We developed the Zacks Rank to capitalize on this phenomenon. Our system takes these estimate changes into account and delivers a clear, actionable rating model.
Ranging from #1 (Strong Buy) to #5 (Strong Sell), the Zacks Rank system has a proven, outside-audited track record of outperformance, with #1 stocks returning an average of +25% annually since 1988. Over the last 30 days, the Zacks Consensus EPS estimate has moved 0.67% lower. As of now, Kinsale Capital Group, Inc. holds a Zacks Rank of #3 (Hold).
Looking at its valuation, Kinsale Capital Group, Inc. is holding a Forward P/E ratio of 24.35. This represents a premium compared to its industry's average Forward P/E of 11.18.
We can also see that KNSL currently has a PEG ratio of 1.62. The PEG ratio is akin to the commonly utilized P/E ratio, but this measure also incorporates the company's anticipated earnings growth rate. As of the close of trade yesterday, the Insurance - Property and Casualty industry held an average PEG ratio of 1.5.
The Insurance - Property and Casualty industry is part of the Finance sector. With its current Zacks Industry Rank of 149, this industry ranks in the bottom 41% of all industries, numbering over 250.
The Zacks Industry Rank assesses the vigor of our specific industry groups by computing the average Zacks Rank of the individual stocks incorporated in the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.
You can find more information on all of these metrics, and much more, on Zacks.com.
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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) Increases Despite Market Slip: Here's What You Need to Know

The S&P 500 Index ($SPX) (SPY) on Wednesday closed up +0.81%, the Dow Jones Industrial Average ($DOWI) (DIA) closed up +0.63%, and the Nasdaq 100 Index ($IUXX) (QQQ) closed up +1.41%. March E-mini S&P futures (ESH26) rose +0.81%, and March E-mini Nasdaq futures (NQH26) rose +1.41%.
Stock indexes rallied on Wednesday, with the S&P 500 posting a 1.5-week high and the Nasdaq 100 posting a 2-week high. Strength in AI-infrastructure companies, software stocks, and chipmakers led the broader market higher. Stocks have carryover support from Tuesday, when AI startup Anthropic PBC eased AI disruption concerns after saying its new AI tools for its Claude Cowork agent software will integrate rather than displace existing systems. Also, optimism that Nvidia’s earnings results, released after Wednesday’s close, will show strong demand for its AI processors remains high. Bloomberg estimates Nvidia’s Q4 revenue to be $65.91 billion.
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In Tuesday night's State of the Union address, President Trump doubled down on his commitment to tariffs. President Trump’s new 10% global tariffs went into effect on Tuesday after the Supreme Court struck down his global “reciprocal” tariffs last Friday. Mr. Trump subsequently threatened to raise the global tariff rate to 15%, and an administration official said the White House is working on a formal order to implement that higher rate, but the timeline for its implementation has not been finalized. Mr. Trump is applying the 10% baseline levy under Section 122 of the 1974 Trade Act, which allows the president to impose the charge for 150 days without congressional approval.
Geopolitical risks remain a negative for stocks. Tuesday evening, President Trump said Iranian officials are "again pursuing their sinister nuclear ambitions," boosting speculation that the US may be preparing a military strike on Iran in the coming days. US-Iran nuclear talks are scheduled to resume on Thursday in Geneva, and Iranian Foreign Minister Araghchi said he saw a “good chance” of a diplomatic solution to the standoff over his country’s nuclear program. Last Friday, President Trump said that he’s considering a limited military strike on Iran to ramp up pressure on the country to strike a deal over its nuclear program, and that he thought 10 to 15 days was “pretty much” the “maximum” he would allow for negotiations to continue.
US MBA mortgage applications rose +0.4% in the week ended February 20, with the purchase mortgage sub-index down -4.7% and the refinancing mortgage sub-index up +4.1%. The average 30-year fixed rate mortgage fell -8 bp to a nearly 3.5-year low of 6.09% from 6.17% in the prior week.
St. Louis Fed President Alberto Musalem said Wednesday that the fed funds rate is near neutral and well-positioned to balance risks to employment and inflation.
The market’s focus this week will be on corporate earnings results and economic news. After Wednesday’s close, Nvidia will release its earnings results. On Thursday, initial weekly unemployment claims are expected to climb by +10,000 to 216,000. On Friday, the Feb MNI Chicago PMI is expected to slip -1.8 to 52.2.
Q4 earnings season is nearing its end, with more than 90% of the S&P 500 companies having reported earnings results. Earnings have been a positive factor for stocks, with 74% of the 453 S&P 500 companies that have reported beating expectations. According to Bloomberg Intelligence, S&P earnings growth is expected to climb by +8.4% in Q4, marking the tenth consecutive quarter of year-over-year growth. Excluding the Magnificent Seven megacap technology stocks, Q4 earnings are expected to increase by +4.6%.
The markets are discounting a 2% chance for a -25 bp rate cut at the next policy meeting on March 17-18.
Overseas stock markets settled higher on Wednesday. The Euro Stoxx 50 rose to a new record high and closed up +0.93%. China’s Shanghai Composite climbed to a 3.5-week high and closed up +0.72%. Japan’s Nikkei Stock 225 rallied to a new all-time high and closed up +2.20%.
Interest Rates
March 10-year T-notes (ZNH6) on Wednesday closed down by -4 ticks. The 10-year T-note yield rose +1.9 bp to 4.048%. T-notes were under pressure on Wednesday from strength in stocks, which curbed safe-haven demand for government debt. Also, weak demand for the Treasury’s $70 billion auction of 5-year T-notes undercut T-note prices, as the auction had a bid-to-cover ratio of 2.32, below the 10-auction average of 2.37.
European government bond yields were mixed on Wednesday. The 10-year German bund yield was unchanged at 2.701%. The 10-year UK gilt yield rose +1.1 bp to 4.317%.
The German Mar GfK consumer confidence index unexpectedly fell -0.5 to -24.7, weaker than expectations of an increase to -23.0.
Swaps are discounting a 2% chance of a -25 bp rate cut by the ECB at its next policy meeting on March 19.
US Stock Movers
AI-infrastructure stocks and chipmakers rallied on Wednesday to support gains in the broader market. Western Digital (WDC) closed up more than +7%, and Seagate Technology Holdings (STX) closed up more than +6%. Also, Applied Materials (AMAT) closed up more than +4%, and Marvell Technology (MRVL) closed up more than +3%. In addition, Nvidia (NVDA), ARM Holdings Plc (ARM), KLA Corp (KLAC), and Micron Technology (MU) closed up more than +2%.
Software stocks were stronger on Wednesday, boosting the overall market. Thomson Reuters (TRI) closed up more than +10%, and Intuit (INTU) closed up more than +6%. Also, Datadog (DDOG) closed up more than +5%, and Palantir Technologies (PLTR), Cadence Design Systems (CDNS), Salesforce (CRM), and CrowdStrike (CRWD) closed up more than +3%. In addition, Microsoft (MSFT) and Atlassian (TEAM) closed up more than +2%, and Autodesk (ADSK), Adobe Systems (ADBE), and ServiceNow (NOW) closed up more than +1%.
Cryptocurrency-exposed stocks rallied sharply on Wednesday as Bitcoin (^BTCUSD) surged more than +7%. Coinbase Global (COIN) closed up more than +13%, and Strategy (MSTR) closed up more than +8%. Also, MARA Holdings (MARA) closed up more than +6%, and Galaxy Digital Holdings (GLXY) closed up more than +5%. In addition, Riot Platforms (RIOT) closed up more than +3%.
Homebuilding stocks retreated on Wednesday on disappointment that President Trump failed to mention any new policy initiatives to bolster the housing market in Tuesday evening’s State of the Union speech. Lennar (LEN) and PulteGroup (PHM) closed down more than -4%, and DR Horton (DHI) closed down more than -5%. Also, KB Home (KBH) closed down more than -2%, and Toll Brothers (TOL) closed down more than -1%.
Alcoholic beverage producers moved lower on Wednesday after Diageo Plc, the maker of Guinness beer and Johnnie Walker whiskey, cut its sales guidance due to further weakness in the US market. Brown-Forman Corp (BF.B) closed down more than -7%, Molson Coors Beverage (TAP) closed down more than -4%, and Constellation Brands (STZ) closed down more than -3%.
Circle Internet Group (CRCL) closed up more than +35% after reporting Q4 total revenue and reserve income of $770 million, stronger than the consensus of $747 million.
Cava Group (CAVA) closed up more than +26% after forecasting full-year restaurant comparable sales will climb +3% to +5%, stronger than the consensus of +2.75%.
Axon Enterprise (AXON) closed up more than +17% to lead gainers in the S&P 500 and Nasdaq 100 after reporting Q4 adjusted EPS of $2.15, well above the consensus of $1.56.
Albemarle (ALB) closed up more than +4% to lead lithium producers higher after Zimbabwe suspended exports of lithium concentrates and raw minerals.
Oracle (ORCL) closed up more than +1% after Oppenheimer upgraded the stock to outperform from perform with a price target of $185.
Oddity Tech Ltd (ODD) closed down more than -49% after saying it expects its revenue for the first quarter of 2026 to decline -30% year-over-year.
GoDaddy (GDDY) closed down more than -14% to lead losers in the S&P 500 after forecasting full-year revenue of $5.20 billion to $5.28 billion, the midpoint below the consensus of $5.28 billion.
CoStar Group (CSGP) closes down more than -8% to lead losers in the Nasdaq 100 after forecasting Q1 adjusted EPS of 16 cents to 19 cents, weaker than the consensus of 25 cents.
MercadoLibre (MELI) closed down more than -8% to lead losers in the Nasdaq 100 after saying it is heavily investing to build its own agentic AI tools, spurring concerns that the heavy spending on AI will pressure its margins.
Lowe’s (LOW) closed down more than -5% after forecasting 2027 adjusted EPS of $12.25 to $12.75, below the consensus of $13.00.
Kinsale Capital Group (KNSL) closed down more than -2% after BMO Capital Markets downgraded the stock to underperform from market perform with a price target of $348.
Earnings Reports(2/26/2026)
AES Corp/The (AES), Autodesk Inc (ADSK), Block Inc (XYZ), Coterra Energy Inc (CTRA), Dell Technologies Inc (DELL), EMCOR Group Inc (EME), Hormel Foods Corp (HRL), Intuit Inc (INTU), J M Smucker Co/The (SJM), Monster Beverage Corp (MNST), NetApp Inc (NTAP), Public Service Enterprise Group (PEG), Qnity Electronics Inc (Q), SBA Communications Corp (SBAC), Sempra (SRE), Solventum Corp (SOLV), Viatris Inc (VTRS), Vistra Corp (VST), Warner Bros Discovery Inc (WBD), Zscaler Inc (ZS).
On the date of publication, Rich Asplund did not have (either directly or indirectly) positions in any of the securities mentioned in this article. All information and data in this article is solely for informational purposes. For more information please view the Barchart Disclosure Policy here.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Stock Indexes Settle Higher on Strength in Tech

The S&P 500 Index ($SPX) (SPY) today is up +0.64%, the Dow Jones Industrial Average ($DOWI) (DIA) is up +0.46%, and the Nasdaq 100 Index ($IUXX) (QQQ) is up +1.15%. March E-mini S&P futures (ESH26) are up +0.60%, and March E-mini Nasdaq futures (NQH26) are up +1.22%.
Stock indexes are moving higher today, with the S&P 500 and Nasdaq 100 posting 1.5-week highs. Strength in AI-infrastructure stocks and chipmakers is leading the broader market higher. Stocks have some carryover support from Tuesday, when AI startup Anthropic PBC eased AI disruption concerns after saying its new AI tools for its Claude Cowork agent software will integrate rather than displace existing systems. The markets await Nvidia’s earnings results after today’s close to see if the surge in artificial intelligence spending is continuing. Bloomberg estimates Nvidia’s Q4 revenue to be $65.91 billion.
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In Tuesday night's State of the Union address, President Trump doubled down on his commitment to tariffs. President Trump’s new 10% global tariffs went into effect on Tuesday after the Supreme Court struck down his global “reciprocal” tariffs last Friday. Mr. Trump subsequently threatened to raise the global tariff rate to 15%, and an administration official said the White House is working on a formal order to implement that higher rate, but the timeline for its implementation has not been finalized. Mr. Trump is applying the 10% baseline levy under Section 122 of the 1974 Trade Act, which allows the president to impose the charge for 150 days without congressional approval.
Geopolitical risks are a negative for stocks. Tuesday evening, President Trump said Iranian officials are "again pursuing their sinister nuclear ambitions," boosting speculation that the US may be preparing a military strike on Iran in the coming days. US-Iran nuclear talks are scheduled to resume on Thursday in Geneva, and Iranian Foreign Minister Araghchi said he saw a “good chance” of a diplomatic solution to the standoff over his country’s nuclear program. Last Friday, President Trump said that he’s considering a limited military strike on Iran to ramp up pressure on the country to strike a deal over its nuclear program, and that he thought 10 to 15 days was “pretty much” the “maximum” he would allow for negotiations to continue.
US MBA mortgage applications rose +0.4% in the week ended February 20, with the purchase mortgage sub-index down -4.7% and the refinancing mortgage sub-index up +4.1%. The average 30-year fixed rate mortgage fell -8 bp to a nearly 3.5-year low of 6.09% from 6.17% in the prior week.
The market’s focus this week will be on corporate earnings results and economic news. After today’s close, Nvidia will release its earnings results. On Thursday, initial weekly unemployment claims are expected to climb by +10,000 to 216,000. On Friday, the Feb MNI Chicago PMI is expected to slip -1.8 to 52.2.
Q4 earnings season is nearing its end, with more than 88% of the S&P 500 companies having reported earnings results. Earnings have been a positive factor for stocks, with 74% of the 441 S&P 500 companies that have reported beating expectations. According to Bloomberg Intelligence, S&P earnings growth is expected to climb by +8.4% in Q4, marking the tenth consecutive quarter of year-over-year growth. Excluding the Magnificent Seven megacap technology stocks, Q4 earnings are expected to increase by +4.6%.
The markets are discounting a 2% chance for a -25 bp rate cut at the next policy meeting on March 17-18.
Overseas stock markets are higher today. The Euro Stoxx 50 rose to a new record high and is up +0.74%. China’s Shanghai Composite climbed to a 3.5-week high and closed up +0.72%. Japan’s Nikkei Stock 225 rallied to a new all-time high and closed up +2.20%.
Interest Rates
March 10-year T-notes (ZNH6) today are down by -5.5 ticks. The 10-year T-note yield is up +2.7 bp to 4.056%. T-notes are under pressure today from strength in stocks, which is curbing safe-haven demand for government debt. Also, supply pressures are bearish for T-notes as the Treasury will auction $70 billion of 5-year T-notes later today.
European government bond yields are moving higher today. The 10-year German bund yield is up +0.8 bp to 2.715%. The 10-year UK gilt yield is up +2.3 bp to 4.328%.
The German Mar GfK consumer confidence index unexpectedly fell -0.5 to -24.7, weaker than expectations of an increase to -23.0.
Swaps are discounting a 2% chance of a -25 bp rate cut by the ECB at its next policy meeting on March 19.
US Stock Movers
AI-infrastructure stocks and chipmakers are climbing today to support gains in the broader market. Western Digital (WDC) is up more than +5%, and Lam Research (LRCX) and Seagate Technology Holdings (STX) are up more than +4%. Also, KLA Corp (KLAC) and Micron Technology (MU) are up more than +3%, and ASML Holding NV (ASML), Analog Devices (ADI), Broadcom (AVGO), and Marvell Technology (MRVL) are up more than +1%.
Cryptocurrency-exposed stocks are rallying today, with Bitcoin (^BTCUSD) up more than +4%. Coinbase Global (COIN) is up more than +5%, and Strategy (MSTR) is up more than +4%. Also, Galaxy Digital Holdings (GLXY) is up more than +3%, and MARA Holdings (MARA) and Riot Platforms (RIOT) are up more than +2%.
Alcoholic beverage producers are sliding today after Diageo Plc, the maker of Guinness beer and Johnnie Walker whiskey, cut its sales guidance due to further weakness in the US market. Brown-Forman Corp (BF.B) is down more than -8%, Molson Coors Beverage (TAP) is down more than -4%, and Constellation Brands (STZ) is down more than -3%.
Circle Internet Group (CRCL) is up more than +22% after reporting Q4 total revenue and reserve income of $770 million, stronger than the consensus of $747 million.
Cava Group (CAVA) closed up more than +20% after forecasting full-year restaurant comparable sales will climb +3% to +5%, stronger than the consensus of +2.75%.
Axon Enterprise (AXON) is up more than +15% to lead gainers in the S&P 500 and Nasdaq 100 after reporting Q4 adjusted EPS of $2.15, well above the consensus of $1.56.
Albemarle (ALB) is up more than +8% to lead lithium producers higher after Zimbabwe suspended exports of lithium concentrates and raw minerals.
Lumen Technologies (LUMN) is up more than +6% after saying it is looking to expand adjusted Ebitda margins “from 27.1% in 2025 to approximately the mid 30% range by 2030.”
Oracle (ORCL) is up more than +1% after Oppenheimer upgraded the stock to outperform from perform with a price target of $185.
Oddity Tech Ltd (ODD) is down more than -53% after saying it expects its revenue for the first quarter of 2026 to decline -30% year-over-year.
GoDaddy (GDDY) is down more than -16% to lead losers in the S&P 500 after forecasting full-year revenue of $5.20 billion to $5.28 billion, the midpoint below the consensus of $5.28 billion.
MercadoLibre (MELI) is down more than -8% to lead losers in the Nasdaq 100 after saying it is heavily investing to build its own agentic AI tools, spurring concerns that the heavy spending on AI will pressure its margins.
Lowe’s (LOW) is down more than -4% after forecasting 2027 adjusted EPS of $12.25 to $12.75, below the consensus of $13.00.
Workday (WDAY) is down more than -3% after forecasting 2027 subscription revenue of $9.93 billion to $9.95 billion, weaker than the consensus of $10 billion.
Kinsale Capital Group (KNSL) is down more than -2% after BMO Capital Markets downgraded the stock to underperform from market perform with a price target of $348.
Earnings Reports(2/25/2026)
Agilent Technologies Inc (A), APA Corp (APA), Ferrovial SE (FER), Lowe's Cos Inc (LOW), NVIDIA Corp (NVDA), Paramount Skydance Corp (PSKY), Pinnacle West Capital Corp (PNW), Salesforce Inc (CRM), Synopsys Inc (SNPS), TJX Cos Inc/The (TJX), TKO Group Holdings Inc (TKO), Trade Desk Inc/The (TTD), Universal Health Services Inc (UHS), VICI Properties Inc (VICI).
On the date of publication, Rich Asplund did not have (either directly or indirectly) positions in any of the securities mentioned in this article. All information and data in this article is solely for informational purposes. For more information please view the Barchart Disclosure Policy here.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Stocks Push Higher as AI-Infrastructure Companies and Chipmakers Rally

Looking at the universe of stocks we cover at Dividend Channel, on 2/26/26, Kinsale Capital Group Inc (Symbol: KNSL), First Bancorp (Symbol: FBP), and Cognex Corp (Symbol: CGNX) will all trade ex-dividend for their respective upcoming dividends. Kinsale Capital Group Inc will pay its quarterly dividend of $0.25 on 3/12/26, First Bancorp will pay its quarterly dividend of $0.20 on 3/13/26, and Cognex Corp will pay its quarterly dividend of $0.085 on 3/12/26. As a percentage of KNSL's recent stock price of $372.70, this dividend works out to approximately 0.07%, so look for shares of Kinsale Capital Group Inc to trade 0.07% lower — all else being equal — when KNSL shares open for trading on 2/26/26. Similarly, investors should look for FBP to open 0.92% lower in price and for CGNX to open 0.15% lower, all else being equal.
Below are dividend history charts for KNSL, FBP, and CGNX, showing historical dividends prior to the most recent ones declared.
Kinsale Capital Group Inc (Symbol: KNSL):
First Bancorp (Symbol: FBP):
Cognex Corp (Symbol: CGNX):
In general, dividends are not always predictable, following the ups and downs of company profits over time. Therefore, a good first due diligence step in forming an expectation of annual yield going forward, is looking at the history above, for a sense of stability over time. This can help in judging whether the most recent dividends from these companies are likely to continue. If they do continue, the current estimated yields on annualized basis would be 0.27% for Kinsale Capital Group Inc, 3.67% for First Bancorp, and 0.60% for Cognex Corp.
In Tuesday trading, Kinsale Capital Group Inc shares are currently down about 0.2%, First Bancorp shares are off about 4%, and Cognex Corp shares are up about 0.8% on the day.
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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.

Ex-Dividend Reminder: Kinsale Capital Group, First Bancorp and Cognex

Key Points
Lemonade's Q4 revenue rose 53% year over year, beating analyst estimates by a comfortable margin.
The stock trades at nearly twice the price-to-sales ratio of the next-most-expensive direct competitor.
A new insurance product for self-driving Teslas is live but too early to move the needle.
Shares of Lemonade (NYSE: LMND) started Thursday's trading on a sweet note, opening the day 13.9% above Wednesday's closing price. But the buzz didn't last long. 90 minutes later, Lemonade was down 6.8% instead. As of this writing at 12:35 p.m. ET, the stock had settled at a 5.5% price drop. The chief reason for this drama was a spectacular earnings report paired with lofty valuation multiples.
Lemonade's Q4 was almost too good
In Q4 2025, Lemonade's in-force premium rose 31% year over year to $1.24 billion. Revenues rose faster with a 53% leap to $228 million. Gross profit soared 73% to $111 million.
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The bottom line was still printed in red ink, but the net loss shrank from $0.42 to $0.29 per share. The company generated $37 million of free cash flow, up from $27 million in the year-ago period.
It's hard to find a weak metric in this report. The average Wall Street analyst expected a $0.39 loss per share on revenues near $216 million. Management issued next-quarter revenue guidance above the current Street view and set a breakeven target for fiscal year 2027.
But the stock was priced for perfection ahead of the report, trading at 8.9 times trailing sales at Wednesday's market close. That's a lot in the value-oriented sector of property and casualty insurance. The second-highest price-to-sales multiple I see today is Kinsale Capital Group at 4.7. The average P/S ratio among these 45 stocks is 1.4.
Wall Street still wanted more
So Lemonade was priced for absolute perfection before this Q4 report. It delivered tremendous financials and the growth story continues with expanding access to European nations and American states. The recently launched discount plan for self-driving Tesla (NASDAQ: TSLA) cars is too new to make a difference, but management sees it as a core growth driver due to much more relevant risk data.
"As autonomous driving becomes safer and more widely adopted, prices should fall transparently, dynamically," President Shai Wininger said on the earnings call.
The stock market already pays a generous premium for this potentially game-changing approach. Today, Wall Street just wasn't ready to embrace Lemonade's data-driven growth targets.
Should you buy stock in Lemonade right now?
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Anders Bylund has positions in Lemonade. The Motley Fool has positions in and recommends Kinsale Capital Group, Lemonade, and Tesla. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Why Lemonade Stock Jumped and Crashed Today

In trading on Friday, insurance brokers shares were relative laggards, down on the day by about 0.8%. Helping drag down the group were shares of Ryan Specialty Holdings, off about 12.3% and shares of Kinsale Capital Group off about 10.2% on the day.
Also lagging the market Friday are non-precious metals & non-metallic mining shares, down on the day by about 0.8% as a group, led down by Century Aluminum, trading lower by about 6% and Olympic Steel, trading lower by about 5.9%.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Friday Sector Laggards: Insurance Brokers, Non-Precious Metals & Non-Metallic Mining Stocks

Kinsale Capital Group, Inc. KNSL delivered fourth-quarter 2025 net operating earnings of $5.81 per share, which outpaced the Zacks Consensus Estimate by 9.6%. The bottom line increased 25.8% year over year.
Operating revenues increased 17.3% year over year to $483.3 million, which surpassed the Zacks Consensus Estimate by 2.5%.
The quarterly results benefited from growth in net premiums written, higher fee income, increased net investment income, and other income, supported by efficient capital management and disciplined underwriting. However, these gains were partially offset by elevated operating expenses.
Kinsale Capital Group, Inc. Price, Consensus and EPS Surprise
KNSL’s Operational Update
Gross written premiums of $451.1 million rose 1.8% year over year.
Net written premiums climbed 7.1% year over year to $370.6 million.
Net investment income increased 24.9% year over year to $52.3 million. The increase was primarily driven by growth in the company’s investment portfolio. However, net investment income missed the Zacks Consensus Estimate by 0.7%.
Total expenses increased 12.8% year over year to $308.4 million due to a rise in losses and loss adjustment expenses, underwriting, acquisition and insurance expenses. Our model estimate was $289.6 million.
Kinsale Capital’s underwriting income was $120.6 million, up 23.2% year over year. The increase was driven by continued business growth, higher favorable development of loss reserves from prior accident years, and lower catastrophe losses. Underwriting income surpassed our model estimate by 22.8%.
The combined ratio improved 170 basis points (bps) year over year to 71.7 compared with the Zacks Consensus Estimate of 75.2. The loss ratio improved 220 bps to 50.1, reflecting lower catastrophe losses and favorable reserve development. However, the expense ratio deteriorated 50 bps year over year to 21.6.
Full-Year 2025 Highlights
KNSL’s full-year 2025 net operating earnings were $19.51 per share, surpassing the Zacks Consensus Estimate by 3%. The bottom line increased 21.5% year over year.
Operating revenues rose 18% year over year to approximately $1.9 billion, exceeding the Zacks Consensus Estimate by 0.5%.
The full-year 2025 combined ratio was 75.9, representing an improvement of 50 basis points year over year.
Financial Update
Kinsale Capital exited the fourth quarter of 2025 with cash and cash equivalents of $163.4 million, which increased 44.3% from the 2024-end level.
As of Dec. 31, 2025, stockholders’ equity increased 32.1% year over year to approximately $2 billion.
Book value per share was $84.66 as of Dec. 31, 2025, up 32.8% from the 2024-end level.
Annualized operating return on equity contracted 140 bps year over year to 28.2% in the reported quarter.
Capital Deployment
KNSL repurchased $50 million of its shares in the fourth quarter of 2025, fully utilizing the initial $100 million share repurchase authorization. In December 2025, the company announced a new $250 million share repurchase program.
In February 2026, KNSL declared a cash dividend of 25 cents per share, up 47.1% from the previous level.
Zacks Rank
KNSL 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
AXIS Capital Holdings Limited AXS reported fourth-quarter 2025 operating income of $3.25 per share, which outpaced the Zacks Consensus Estimate by 9.4% and rose 9.4% year over year.
Axis’ total operating revenues of $1.7 billion beat the Zacks Consensus Estimate by 5.2%. The top line rose nearly 9% year over year on higher premiums earned. Net premiums written rose 13% to $1.4 billion, with an increase of 14% in the Insurance segment and growth of 5% in the Reinsurance segment.
Selective Insurance Group SIGI reported fourth-quarter 2025 operating income of $2.57 per share, which marginally beat the Zacks Consensus Estimate by 0.3%. The bottom line increased 59% year over year.
Selective’s total revenues of $1.4 billion increased 8.3% from the year-ago quarter’s level, driven primarily by higher net premiums earned and net investment income. The top line marginally exceeded the Zacks Consensus Estimate by 0.1%.
Cincinnati Financial Corporation CINF reported fourth-quarter 2025 operating income of $3.37 per share, which surpassed the Zacks Consensus Estimate by 17.8%. The bottom line increased 7% year over year.
Cincinnati’s total operating revenues for the quarter were $2.9 billion, reflecting a 9.8% year-over-year increase. The figure missed the Zacks Consensus Estimate by 0.02% on premium growth initiatives, price increases, and higher interest income from fixed-maturity securities, partially offset by higher expenses.
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Kinsale Q4 Earnings and Revenues Top Estimates on Solid Underwriting

Assurant, Inc. AIZ is expected to register an improvement in its top and bottom lines when it reports fourth-quarter 2025 results on Feb. 10, after the closing bell.
The Zacks Consensus Estimate for AIZ’s fourth-quarter revenues is pegged at $3.28 billion, indicating 4.7% growth from the year-ago reported figure.
The consensus estimate for earnings is pegged at $5.55 per share. The Zacks Consensus Estimate for AIZ’s fourth-quarter earnings has moved up 5.5% in the past 30 days. The estimate suggests a year-over-year increase of 15.8%.
What the Zacks Model Unveils for AIZ
Our proven model predicts an earnings beat for Assurant this time around. This is because the stock has the right combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold), which increases the chances of an earnings beat.
Earnings ESP of AIZ: Assurant has an Earnings ESP of +13.61%. This is because the Most Accurate Estimate of $6.31 is pegged higher than the Zacks Consensus Estimate of $5.55. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Assurant, Inc. Price and EPS Surprise
Assurant’s Zacks Rank: AIZ carries a Zacks Rank #3 at present.
Factors Likely to Shape Q4 Results of AIZ
Solid performance at the Global Housing segment, as well as growth in Global Lifestyle, is likely to have aided the fourth-quarter performance of Assurant.
Revenues are likely to have gained from improved net earned premiums and higher net investment income.
Net earned premiums are expected to have benefited from higher premiums in the Global Housing and Global Lifestyle segments.
The Zacks Consensus Estimate for fourth-quarter net earned premiums, fees and other income is pegged at $2.6 billion. We expect net earned premiums to increase 3.8% to $2.6 billion in the to-be-reported quarter. Fees and other income are expected to increase 6.1% to $465.4 million in the fourth quarter.
Net investment income is expected to have been driven by higher assets and yields in fixed maturity securities. The upside is likely to have been partially offset by reduced income due to lower yields and balances in cash and cash equivalents and reduced income in real estate joint ventures. The Zacks Consensus Estimate for fourth-quarter net investment income is pegged at $134 million. We expect net investment income to be $129.3 million.
Global Housing is expected to have been driven by the non-run rate adjustment, growth in Homeowners from higher lender-placed policies in force and average premiums, growth in Renters and Other, primarily from a block of newly acquired renters policies, and growth across various specialty products within Homeowners, and continued growth in service fees within Homeowners. The Zacks Consensus Estimate for the segment’s fourth-quarter revenues is pegged at $734 million, suggesting growth of 7.1% from the year-ago quarter’s level. We expect the segment’s revenues to be $698.6 million.
Global Lifestyle is likely to have benefited from Connected Living from global mobile subscriber growth and a new financial services program, improvement in Global Automotive, and a rise in global mobile trade-in programs within Connected Living. The Zacks Consensus Estimate and our estimate for the segment’s fourth-quarter revenues are both pegged at $2.5 billion, suggesting growth of 2.7% from the year-ago quarter’s level. We expect the segment’s revenues to be $2.5 billion.
Total benefits, losses and expenses might have escalated because of higher underwriting and selling, general and administrative expenses. We expect total expenses to be $2.8 billion.
Continued share buybacks are likely to have aided the bottom line in the to-be-reported quarter.
Other Stocks to Consider
Here are some other finance stocks you may want to consider, as our model shows that these, too, have the right combination of elements to post an earnings beat:
American International Group, Inc. AIG has an Earnings ESP of +0.39% and a Zacks Rank #3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for fourth-quarter 2025 earnings is pegged at $1.89 per share, indicating a year-over-year increase of 45.3%.
AIG’s earnings beat estimates in each of the last four reported quarters.
Goosehead Insurance GSHD has an Earnings ESP of +4.03% and carries a Zacks Rank of 3 at present. The Zacks Consensus Estimate for fourth-quarter 2025 earnings is pegged at 54 cents per share, implying a decrease of 31.6% from the year-ago reported figure.
GSHD’s earnings beat estimates in two of the last four quarters while missing in the other two.
Kinsale Capital Group, Inc. KNSL has an Earnings ESP of +0.59% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for fourth-quarter 2025 earnings is pegged at $5.30, indicating a year-over-year increase of 14.7%.
KNSL’s earnings beat estimates in each of the last four reported quarters.
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Will Assurant's Beat Streak Continue This Earnings Season?

Arthur J. Gallagher & Co. AJG is expected to register an improvement in its top and bottom lines when it reports fourth-quarter 2025 results on Jan. 29, after the closing bell.
The Zacks Consensus Estimate for AJG’s fourth-quarter revenues is pegged at $3.58 billion, indicating 33.6% growth from the year-ago reported figure.
The consensus estimate for earnings is pegged at $2.38 per share. The Zacks Consensus Estimate for AJG’s fourth-quarter earnings has moved south 2.4% in the past 30 days. The estimate suggests a year-over-year increase of 11.7%.
What the Zacks Model Unveils for AJG
Our proven model does not conclusively predict an earnings beat for Arthur J. Gallagher 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: Arthur J. Gallagher has an Earnings ESP of -1.03%. This is because the Most Accurate Estimate of $2.35 is pegged lower than the Zacks Consensus Estimate of $2.38. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Arthur J. Gallagher & Co. Price and EPS Surprise
Zacks Rank: AJG carries a Zacks Rank #3 at present.
Factors Likely to Shape Q4 Results of AJG
Better performances in both segments are likely to aid AJG’s fourth-quarter results. New business, solid retention and higher renewal premiums across its business lines are likely to have benefited the fourth-quarter performance.
The Zacks Consensus Estimate for fees is pegged at $1 billion, indicating an increase of 17.1% from the prior-year period’s reported number. The consensus mark for commissions is pegged at $2.2 billion, implying 49.1% growth from the prior-year period’s reported number.
Excellent client retention, strong new business production, and increases in customer business activity are expected to have benefited the Risk management segment. AJG expects about 7% organic growth and margins around 21% in the to-be-reported quarter.
Continued strong customer retention, higher new business generation and increasing renewal premiums, an improvement in interest income earned on own and fiduciary funds are expected to have favored the Brokerage segment. AJG expects organic growth of around 5% in the to-be-reported quarter.
Increased commissions and fees, higher supplemental revenues and improved contingent revenues and investment income, as well as strategic mergers and acquisitions, are likely to have driven the top line in the to-be-reported quarter.
Total expenses are expected to have increased mainly because of higher compensation, reimbursements, interest, amortization and changes in estimated acquisition earnout payables.
Stocks to Consider
Here are some insurance stocks you may want to consider, as our model shows that these, too, have the right combination of elements to post an earnings beat:
Arch Capital Group Ltd. ACGL has an Earnings ESP of +6.93% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for fourth-quarter 2025 earnings is pegged at $2.45, indicating a year-over-year increase of 8.4%. You can see the complete list of today’s Zacks #1 Rank stocks here.
ACGL’s earnings beat estimates in each of the last four reported quarters.
Kinsale Capital Group, Inc. KNSL has an Earnings ESP of +0.59% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for fourth-quarter 2025 earnings is pegged at $5.30, indicating a year-over-year increase of 14.7%.
KNSL’s earnings beat estimates in each of the last four reported quarters.
RenaissanceRe Holdings Ltd. RNR has an Earnings ESP of +17.38% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for fourth-quarter 2025 earnings is pegged at $10.19, indicating a year-over-year increase of 26.4%.
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 13.58
Price/Sales	6.85 2.08
P/B	7.41 1.18
P/FCF	10.88 10.49

Indicator	TTM Median
ROE	33.05 10.31
ROA	9.66 1.17
Net Worth	10.46 1.01
Quick Ratio	0.00 1.37
Current Ratio	0.08 0.97

Indicator	TTM Median
Net Profit Margin	26.78 16.80
Operating Margin	33.73 22.80
Gross Margin	33.99 69.57
Return on tangible equity	33.15 12.33

Indicator	TTM Median
EPS	4.20 0.67
EPS Forecast	3.70 0.67
Revenue	418.00M 84.00M
Gross Profit	148.00M —
EBITDA	147.00M —

Kinsale Capital Group, Inc.

TTM metrics for the latest quarter under IFRS and their historical dynamics

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Other ratios

Revenue