Kinsale Capital Group, Inc.

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Kinsale (KNSL) Q3 2025 Earnings Call Transcript

(RTTNews) - Kinsale Capital Group Inc. (KNSL) announced earnings for its third quarter that Increases, from last year
The company's earnings came in at $141.65 million, or $6.09 per share. This compares with $114.23 million, or $4.90 per share, last year.
Excluding items, Kinsale Capital Group Inc. reported adjusted earnings of $121.20 million or $5.21 per share for the period.
The company's revenue for the period rose 19.0% to $497.51 million from $418.06 million last year.
Kinsale Capital Group Inc. earnings at a glance (GAAP) :
-Earnings: $141.65 Mln. vs. $114.23 Mln. last year. -EPS: $6.09 vs. $4.90 last year. -Revenue: $497.51 Mln vs. $418.06 Mln last year.
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. Q3 Profit Advances

Nasdaq, Inc. NDAQ is expected to register an improvement in its top and bottom lines when it reports third-quarter 2025 results on Oct. 21, before the opening bell.
The Zacks Consensus Estimate for NDAQ’s third-quarter revenues is pegged at $1.29 billion, indicating 12.5% growth from the year-ago reported figure. The consensus estimate for earnings is pegged at 84 cents per share. The Zacks Consensus Estimate for NDAQ’s third-quarter earnings has moved up 2.4% in the past 30 days. The estimate suggests a year-over-year increase of 13.5%.
What Our Quantitative Model States
Our proven model predicts an earnings beat for Nasdaq 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).
Earnings ESP: Nasdaq has an Earnings ESP of +1.53% at present. This is because the Most Accurate Estimate of 85 cents is pegged higher than the Zacks Consensus Estimate of 84 cents. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Nasdaq, Inc. Price and EPS Surprise
Zacks Rank: Nasdaq currently carries a Zacks Rank #3.
Factors to Consider
Continued organic revenue growth, new sales, and an increase in Financial Crime Management Technology revenues are likely to have aided Nasdaq’s third-quarter performance.
Non-trading revenues are likely to have benefited from improved results in Capital Access Platforms, Financial Technology and Market Services businesses.
Higher subscription revenues from new sales and price increases to existing clients and revenues from new clients are likely to have aided the Financial Crime Management Technology business.
Higher subscription revenues from new sales and price increases to existing clients, and revenues from new clients across all businesses and higher market technology professional services revenues are likely to have aided the Capital Markets Technology business. We expect Capital Markets Technology revenues to increase 7.4% to $251.4 million.
Higher sales, increased usage and pricing in the data business, higher average AUM in exchange-traded products linked to Nasdaq indices and growth in trading volume on futures contracts related to the Nasdaq-100 Index are expected to have aided performance at the Capital Access Platforms division. An increase in analytics revenues, largely driven by eVestment, is also likely to have benefited this division.
An increase in professional & contract services expenses, as well as technology and communication infrastructure, marketing and advertising, depreciation and amortization and regulatory, merger and strategic initiatives is expected to have increased total expenses for the to-be-reported quarter. We expect non-GAAP operating expenses to increase 7.1% year over year.
Nevertheless, share buybacks in the to-be-reported quarter are anticipated to have provided a boost to the bottom line.
Q3 Volumes
Nasdaq reported impressive volumes for the third quarter of 2025. The U.S. equity options volume increased 18.6% year over year to 1 billion contracts. European options and futures volume increased 7.8% year over year to 15.2 million contracts.
Revenues per contract for the U.S. equity options declined 7.6% year over year to 12 cents, while the same for European options and futures increased 14.8% to 54 cents.
Under its cash equities, Nasdaq’s U.S. matched equity volume in the third quarter grossed 158.5 billion shares, up 34.1% from the prior-year quarter’s level. European equity volume increased 9.6% year over year to $215 billion.
In the third quarter, there were 4,492 listed companies on the Nasdaq compared with 4,513 in the year-ago period. Total listings increased 5.1% year over year to 5,492.
We expect data and listing services revenues to increase 2.9% to $195.6 million in the to-be-reported quarter.
Other Stocks to Consider
Here are three finance stocks you may want to consider, as our model shows that these also have the right combination of elements to post an earnings beat.
Cboe Global Markets, Inc. CBOE has an Earnings ESP of +4.67% and carries a Zacks Rank #2 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $2.42, indicating a year-over-year increase of 9%. You can see the complete list of today’s Zacks #1 Rank stocks here.
CBOE’s earnings beat estimates in three of the last four reported quarters while missing in one.
Arch Capital Group Ltd. ACGL has an Earnings ESP of +2.00% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $2.10, indicating a year-over-year increase of 5.5%.
ACGL’s earnings beat estimates in each of the last four reported quarters.
Kinsale Capital Group, Inc. KNSL has an Earnings ESP of +1.53% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $4.79, indicating a year-over-year increase of 14%.
KNSL’s earnings beat estimates in each of the last four reported quarters.
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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.

Nasdaq Gears Up to Report Q3 Earnings: Here's What to Expect

The Travelers Companies, Inc. TRV is expected to register an improvement in its top and bottom lines when it reports third-quarter 2025 results on Oct. 16, before the opening bell.
The Zacks Consensus Estimate for TRV’s third-quarter revenues is pegged at $12.35 billion, indicating 4.2% growth from the year-ago reported figure.
The consensus estimate for earnings is pegged at $5.56 per share. The Zacks Consensus Estimate for TRV’s third-quarter earnings has moved north 4.7% in the past 30 days. The estimate suggests a year-over-year increase of 6.1%.
What the Zacks Model Unveils for TRV
Our proven model predicts an earnings beat for Travelers this time around. The right 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, which is exactly the case here.
TRV’s Earnings ESP: Travelers has an Earnings ESP of +4.92%. This is because the Most Accurate Estimate of $5.83 is pegged higher than the Zacks Consensus Estimate of $5.56. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
The Travelers Companies, Inc. Price and EPS Surprise
TRV’s Zacks Rank: The company carries a Zacks Rank #3 at present.
Factors to Consider
Better performances across all three segments are likely to aid Travelers’ third-quarter results.
Premiums are likely to have benefited from better pricing, a solid renewal rate change, strong retention and exposure growth. The Zacks Consensus Estimate is currently pegged at $11.1 billion, indicating an increase of 4.1% from the year-ago reported number. We estimate premiums to increase 3.1% to $11 billion.
Higher long-term average yields and a higher average level of fixed maturity investments are likely to aid investment results in the to-be-reported quarter. Management estimates fixed income NII, including earnings from short-term securities, to be approximately $770 million after tax in the third quarter of 2025. The Zacks Consensus Estimate is currently pegged at $981 million, implying an increase of 8.5% from the year-ago reported number. We estimate net investment income to increase 12.1% to $1 billion.
The Personal Insurance segment is likely to have benefited from strong retention rates, increased new business premiums and positive renewal premium change, particularly in the Homeowners business. The Zacks Consensus Estimate is currently pegged at $4.3 billion, indicating an increase of 6.2% from the year-ago reported number. We estimate premiums at Personal Insurance to be $4.5 billion, suggesting an improvement of 6.7% from the year-ago reported figure.
The Bond & Specialty Insurance segment is likely to have benefited from excellent retention in high-quality Management Liability business, increases in the United Kingdom and broader Europe. The Zacks Consensus Estimate is currently pegged at $908 million, indicating an increase of 4.2% from the year-ago reported number. We estimate earned premiums at Bond & Specialty Insurance to be $1 billion, suggesting an improvement of 4.3% from the year-ago reported figure.
Strong retention rates, positive renewal premium changes and increased new business premiums are likely to have aided premiums at Business Insurance. The Zacks Consensus Estimate is currently pegged at $5 billion, indicating an increase of 2% from the year-ago reported number. We estimate earned premiums at Business Insurance to be $5.5 billion, suggesting an improvement of 0.2% from the year-ago reported figure.
An increase in net written premiums, coupled with higher net investment income and other revenues, is likely to have aided the top line 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 expected to have led to an improvement in the combined ratio. We estimate the combined ratio to be 98.4. The Zacks Consensus Estimate is currently pegged at 94.
However, expenses are expected to have risen due to higher claims and claim adjustment expenses, amortization of deferred acquisition costs, general and administrative expenses, as well as interest expenses. We estimate expenses to increase 5.9% in the to-be-reported quarter to $10.9 billion.
Continued share buybacks are anticipated to have provided an additional boost to the bottom line.
Other Stocks to Consider
Here are three P&C insurance stocks you may want to consider, as our model shows that these also have the right combination of elements to post an earnings beat:
Arch Capital Group Ltd. ACGL has an Earnings ESP of +14.05% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $1.91, indicating a year-over-year decrease of 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 +3.82% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $4.68, indicating a year-over-year increase of 11.4%.
KNSL’s earnings beat estimates in each of the last four reported quarters.
RenaissanceRe Holdings Ltd. RNR has an Earnings ESP of +34.60% and a Zacks Rank #3 at present. The Zacks Consensus Estimate for third-quarter 2025 earnings is pegged at $6.77, indicating a year-over-year decrease of 33.8%.
RNR’s earnings beat estimates in three of the last four reported quarters and missed in one.
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Will Travelers Pull Off a Surprise in This Earnings Season?

Kinsale Capital Group, Inc. KNSL has been trading below its 50-day simple moving average (SMA), signaling a short-term bearish trend.
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.
Price Performance of KNSL
Shares of Kinsale Capitalhave lost 10.7% year to date, underperforming its industry, the Finance sector, and the Zacks S&P 500 Composite’s growth of 8.5%, 14.1% and 13.8%, respectively, in the same time frame.
The insurer has a market capitalization of $9.7 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 Expensive
Shares of KNSL are trading at a premium compared to the Zacks Insurance - Property and Casualty industry. Its price-to-book value of 5.62X is higher than the industry average of 1.55X.
Image Source: Zacks Investment Research
However, shares of other insurers such as Arch Capital Group Ltd. ACGL and CNA Financial Corporation CNA are trading at a multiple lower than the industry average. Arch Capital is trading at 1.51 and CNA Financialis trading at 1.16. However, American Financial Group, Inc. AFG shares are trading at a premium at 2.65.
Projections for KNSL
The Zacks Consensus Estimate for Kinsale Capital’s 2025 earnings per share indicates a year-over-year increase of 14.1%. The consensus estimate for revenues is pegged at $1.8 billion, implying a year-over-year improvement of 13.4%. The consensus estimate for 2026 earnings per share and revenues indicates an increase of 12.8% and 8.8%, respectively, from the corresponding 2025 estimates.
The expected long-term earnings growth rate is pegged at 14.9%, better than the industry average of 7%. Kinsale Capital has an impressive Growth Score of B. This style score helps analyze the growth prospects of a company.
Optimistic Analyst Sentiment on KNSL
The Zacks Consensus Estimate for 2025 and 2026 earnings has increased 0.1% and 0.3% in the past 30 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 $499.11 per share. The average indicates a potential 16.1% upside from the last closing price.
Image Source: Zacks Investment Research
KNSL’s Favorable Return on Capital
Return on equity (ROE) for the trailing 12 months was 25.9%, comparing favorably with the industry’s 7.7%. This reflects its efficiency in utilizing shareholders’ funds.
Return on invested capital in the trailing 12 months was 22.5%, better than the industry average of 5.9%, reflecting KNSL’s efficiency in utilizing funds to generate income.
Key Points For KNSL
Kinsale Capital has strengthened its presence in the U.S. excess and surplus (E&S) market by leaning on key organic drivers. Consistent premium growth, healthy broker submissions, solid renewal activity, and disciplined underwriting have been central to its progress. These elements have translated into steady revenue expansion and reinforced its market position. With favorable pricing trends and a growing product mix providing further support, Kinsale Capital is well-positioned to maintain its growth trajectory in the years ahead.
This momentum is further reinforced by favorable shifts in the excess and surplus (E&S) market, as more business moves away from standard carriers. Kinsale Capital’s sharp focus on this space has helped it maintain stronger margins and lower loss ratios, backed by disciplined underwriting.
Growth has also been evident in its transportation divisions, including commercial auto and high-value homeowners, where more business is flowing into the E&S segment. These areas provide additional room for expansion, supporting the company’s long-term outlook.
To support its growth in the E&S market, Kinsale Capital has developed a digital platform that streamlines underwriting, making it faster and more efficient. By cutting down manual steps and improving workflows, it helps manage costs and enhances customer interactions. The platform’s data tools support smarter decisions, and without legacy systems, the company can innovate more freely. This setup gives Kinsale Capital an edge as it continues to expand in key segments, such as transportation and high-value homeowners.
Alongside its operational strengths, Kinsale Capital has benefited from steady investment income, supported by healthy cash flows and favorable market conditions. Its disciplined underwriting approach, combined with a strong independent broker network, has helped maintain low loss ratios and consistent profitability.
Building on its strong operational performance, Kinsale Capital also benefits from a solid balance sheet. Its debt-to-capital ratio of 9.66% is well below the industry average of 16.11%, reflecting prudent financial management, while its times interest earned ratio of 56.03 far exceeds the industry average of 17.02, highlighting its ability to meet debt obligations comfortably.
Wealth Distribution of KNSL
Kinsale Capital continues to focus on creating shareholder value through consistent capital returns. Over the past five years, the company has increased its dividend five times, reflecting a total payout growth of 12.43%, while the current payout ratio stands at 4%. Additionally, in October 2024, the board approved a $100 million share buyback program, with $70 million remaining under the current authorization.
Conclusion
Overall, Kinsale Capital’s strong organic growth, disciplined underwriting and solid financial position, combined with consistent shareholder returns, underscore its resilience and long-term potential. Its focus on operational efficiency and strategic market segments positions the company well for continued expansion.
Given its strong growth prospects, favorable estimates, and an attractive return on capital, it is better to add this Zacks Rank #2 (Buy) stock. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
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Kinsale Capital Trades Below 50-Day SMA: How to Play the Stock?

Key Points
CrowdStrike is poised to benefit from the most powerful investing megatrend of our time: AI.
Kinsale Capital Group may be more of a Steady Eddie investment, but it is trading at an unusually low valuation.
In less than six months, the S&P 500 and Nasdaq-100 have soared by 33% and 43%, respectively, from their 2025 lows.
Despite those incredible runs for the broader market indexes, I'd argue that plenty of once-in-a-decade opportunities remain available for investors. These two are my favorite bets to surge higher from here.
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CrowdStrike: Cybersecurity for AI
Cybersecurity juggernaut CrowdStrike (NASDAQ: CRWD) saw its stock price drop by nearly 50% after it rolled out a flawed software update that triggered a global IT outage in July 2024.
At the time, many investors and analysts (rightfully) worried about the repercussions for CrowdStrike in terms of retaining customers -- let alone attracting new ones. However, just over a year after that debacle, the company's shares have doubled in value, powered by reaccelerating sales growth in its latest quarter.
In a weird way, the outage served as a stress test of the moat around CrowdStrike's business. And, quite frankly, it passed with flying colors.
The post-outage period offered customers a perfect opportunity to switch to rival cybersecurity providers, but for the most part, they didn't really jump ship. This stability highlights the switching cost moat surrounding CrowdStrike's operations. Now, distanced from the fiasco, the company is diving into today's biggest megatrend: artificial intelligence (AI). And specifically, securing AI.
Thanks to its recently announced acquisition of AI security leader Pangea, CrowdStrike now offers an AI detection and response module, similar to its existing endpoint detection and response capabilities.
Now securing all things AI, from large language models (LLMs) to AI agents, CrowdStrike will block prompt injection attacks, prevent risky AI use, and trace AI agents back to their human creators.
Kicking off its foray into defending the AI world, CrowdStrike partnered with Salesforce, a customer relationship management juggernaut, to provide security for its AI agents and applications.
The opportunity from deals like these could be massive for CrowdStrike. Currently, the company believes there are 5 billion addressable assets (cloud workloads, endpoint devices, and human identities) available for it to protect.
However, management predicts that the rise of agentic AI alone could bring in more than 150 billion assets that will need to be secured, creating what CEO and co-founder George Kurtz believes is a "100x" opportunity.
Today, CrowdStrike is trading at 115 times free cash flow and 27 times sales, so the company will need to deliver significant growth to justify its valuation.
However, numerous research firms project that the market for agentic AI will grow roughly sevenfold between 2025 and 2030. If CrowdStrike can become the leader in this new niche (as it already has in its established cybersecurity specialties), it could quickly outgrow what looks like a lofty valuation today.
Kinsale's once-in-a-decade valuation
Whereas CrowdStrike's current valuation has a lot of optimism for the future baked into it, excess and surplus (E&S) insurer Kinsale Capital Group (NYSE: KNSL) is trading at the cheapest P/E ratios in its history.
Typically, bargain-bin valuations like these come alongside some pretty serious risks. But that doesn't appear to be the case with Kinsale.
While the company's growth in gross written premiums may have slowed to just 5% in the most recent quarter, earnings per share rose 28%. In fact, Kinsale's combined ratio remained strong at 76%, indicating that the company remains the most profitable insurer in the E&S niche. A combined ratio below 100% means that an insurance company is profitable on its underwriting, and Kinsale's mark of 76% is exceptional. For comparison, its closest peers in the E&S industry averaged a lofty 92% ratio between 2022 and 2024.
Kinsale achieves this unusual profitability by focusing on smaller E&S accounts with hard-to-assess risks -- a category of clientele that its massive insurance peers are less apt to pursue.
However, that doesn't mean that the industry's giants won't occasionally venture into Kinsale's E&S niche when the pricing looks right. Over the past few years, premiums for these types of policies have steadily increased, drawing the attention of larger insurers. As a result, there is now excessive price competition in the niche. That prompted Kinsale to pull back in certain areas, which resulted in the slowdown in premium growth.
Sometimes, when insurance juggernauts stampede into Kinsale's niche with deeply discounted prices, it only makes sense for it to stand back and preserve its profitability, rather than try to undercut them and risk underwriting clients at a loss.
CEO and founder Michael Kehoe gave an example of this at an investing conference in 2023, explaining:
We lost an account earlier this year. ... It was a firearms manufacturer. We quoted the renewal policy at a $170,000 premium. ... We lost that to an MGA [managing general agent] that wrote it for $57,000. ... They wrote it at the low price because they misclassified it. They considered it a sporting goods distributor instead of what the business actually did, which was manufacture firearms.
This story is an oversimplified way to show that investors shouldn't panic about Kinsale's decelerating premium growth. It operates in a cyclical industry, and pricing competition fluctuates over time.
Was it reasonable for the market to bid down Kinsale's share price in response to its slowing growth? Probably -- Kinsale's prior valuations had become lofty. However, it remains the best underwriter in the E&S space, and continues to capture market share steadily.
Despite that, Kinsale's market share in the E&S industry remains a mere 1.4%, leaving it with decades of growth potential ahead.
Should it maintain its status as the most profitable insurer in its niche, Kinsale will likely return to its market-beating ways, especially from today's once-in-a-decade low valuation.
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Josh Kohn-Lindquist has positions in CrowdStrike and Kinsale Capital Group. The Motley Fool has positions in and recommends CrowdStrike, Kinsale Capital Group, and Salesforce. 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.

Don't Miss These Once-in-a-Decade Opportunities: 2 Unstoppable Stocks to Buy and Hold Forever

Investors interested in Insurance - Property and Casualty stocks are likely familiar with Progressive (PGR) and Kinsale Capital Group, Inc. (KNSL). But which of these two stocks presents investors with the better value opportunity right now? 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 proven Zacks Rank emphasizes companies with positive estimate revision trends, and our Style Scores highlight stocks with specific traits.
Right now, both Progressive and Kinsale Capital Group, Inc. are sporting a Zacks Rank of #2 (Buy). Investors should feel comfortable knowing that both of these stocks have an improving earnings outlook since the Zacks Rank favors companies that have witnessed positive analyst estimate revisions. But this is just one factor that value investors are interested in.
Value investors also try to analyze a wide range of traditional figures and metrics to help determine whether a company is undervalued at its current share price levels.
Our Value category highlights undervalued companies by looking at a variety of key metrics, including the popular P/E ratio, as well as the P/S ratio, earnings yield, cash flow per share, and a variety of other fundamentals that have been used by value investors for years.
PGR currently has a forward P/E ratio of 13.09, while KNSL has a forward P/E of 23.47. We also note that PGR has a PEG ratio of 1.34. This figure is similar to the commonly-used P/E ratio, with the PEG ratio also factoring in a company's expected earnings growth rate. KNSL currently has a PEG ratio of 1.58.
Another notable valuation metric for PGR is its P/B ratio of 4.32. The P/B is a method of comparing a stock's market value to its book value, which is defined as total assets minus total liabilities. By comparison, KNSL has a P/B of 5.81.
Based on these metrics and many more, PGR holds a Value grade of B, while KNSL has a Value grade of D.
Both PGR and KNSL are impressive stocks with solid earnings outlooks, but based on these valuation figures, we feel that PGR is the superior value option right now.
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PGR vs. KNSL: Which Stock Is the Better Value Option?

Legendary investor Warren Buffett advises to be fearful when others are greedy, and be greedy when others are fearful. One way we can try to measure the level of fear in a given stock is through a technical analysis indicator called the Relative Strength Index, or RSI, which measures momentum on a scale of zero to 100. A stock is considered to be oversold if the RSI reading falls below 30.
In trading on Wednesday, shares of Kinsale Capital Group Inc (Symbol: KNSL) entered into oversold territory, hitting an RSI reading of 29.8, after changing hands as low as $422.94 per share. By comparison, the current RSI reading of the S&P 500 ETF (SPY) is 59.7. A bullish investor could look at KNSL's 29.8 RSI reading today as a sign that the recent heavy selling is in the process of exhausting itself, and begin to look for entry point opportunities on the buy side. The chart below shows the one year performance of KNSL shares:
Looking at the chart above, KNSL's low point in its 52 week range is $405 per share, with $531.7899 as the 52 week high point — that compares with a last trade of $425.66.
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CDRE YTD Return
BMS Options Chain
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Kinsale Capital Group Enters Oversold Territory (KNSL)

Shares of W.R. Berkley Corporation WRB have gained 26.6% in the past year, outperforming its industry, the Finance sector, and the Zacks S&P 500 composite’s growth of 7.6%, 18.5% and 18.9%, respectively.
W.R. Berkley has outperformed its peers, The Travelers Companies, Inc. TRV and Cincinnati Financial Corporation CINF, which have risen 18.3% and 14.8%, respectively, in the past year. Meanwhile, shares of Kinsale Capital Group, Inc. KNSL have lost 2.7% in the same time frame.
Image Source: Zacks Investment Research
Shares of W.R. Berkley closed at $72.28 on Tuesday, near its 52-week high of $76.38. This proximity underscores investor confidence. It has the ingredients for further price appreciation.
The insurer has a market capitalization of $27.41 billion. The average volume of shares traded in the last three months was 1.9 million.
The insurer has a solid track record of beating earnings estimates in three of the last four quarters and matching in one, the average being 5.81%.
WRB Trading Above 50-Day and 200-Day Moving Averages
The stock is trading above the 50-day and 200-day simple moving averages (SMA) of $70.42 and $66.70, respectively, indicating solid upward momentum. SMA is a widely used technical analysis tool to predict future price trends by analyzing historical price data.
Image Source: Zacks Investment Research
WRB Shares are Expensive
WRB shares are trading at a premium to the industry. Its price-to-book value of 2.95X is higher than the industry average of 1.54X.
WRB’s Encouraging Growth Projection
The Zacks Consensus Estimate for W.R. Berkley’s 2025 earnings per share indicates a year-over-year increase of 1.9%. The consensus estimate for revenues is pegged at $14.64 billion, implying a year-over-year improvement of 8.2%.
The consensus estimate for 2026 earnings per share and revenues indicates an increase of 12.1% and 6.2%, respectively, from the corresponding 2025 estimates.
Notably, earnings grew 27.8% in the past five years, better than the industry average of 20.9%.
WRB’s Favorable Return on Capital
Return on equity for the trailing 12 months was 18.8%, which compared favorably with the industry’s 7.6%. This reflects its efficiency in utilizing shareholders’ funds.
Also, return on invested capital (ROIC) has been increasing over the last few quarters while the company raised its capital investment over the same time frame. This reflects WRB’s efficiency in utilizing funds to generate income. ROIC in the trailing 12 months was 8.8%, better than the industry average of 5.9%.
Average Target Price for WRB Suggests Upside
Based on short-term price targets offered by 16 analysts, the Zacks average price target is $73.75 per share. The average suggests a potential 1.8% upside from the last closing price.
Image Source: Zacks Investment Research
Factors Acting in Favor of WRB Stock
As part of its growth strategy, WRB has been focusing on commercial lines, including excess and surplus lines, admitted lines, and specialty personal lines, where it also has a competitive advantage.
WRB’s insurance business, which contributes the lion’s share to net premium written, is poised to grow on the strength of several new startup units in varied business lines, expansion of international business that offers diversification benefits, rate increase, market dislocations, and high retention.
W.R. Berkley remains focused on expanding selectively in attractive global markets and thus has operations in the emerging markets of the United Kingdom, Continental Europe, South America, Canada, Scandinavia, Asia, and Australia.
WRB boasts more than 60 straight quarters of favorable reserve development, given its prudent underwriting. Operational excellence supports it in maintaining a solid balance sheet with sufficient liquidity and strong cash flows.
Wrapping Up: Keep on Holding
The property and casualty insurer is set to grow on rate increases, reserving discipline, diversification benefits, momentum in international business, investment in alternative assets, and consistent cash flow.
Banking on consistent cash flow, W.R. Berkley has been hiking dividends since 2005, as well as paying special dividends apart from buying back shares. Its dividend yield of 0.5% appears attractive compared with the industry average of 0.2%, making it an attractive pick for yield-seeking investors.
Given the premium valuation, it is better to stay cautious about 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.

WRB Outperforms Industry, Trades Near 52-Week High: Time to Hold?

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.
We have found that the best way to discover great value opportunities is to pair a strong Zacks Rank with a great 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 just one factor that value investors are interested in.
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.
The Value category of the Style Scores system identifies undervalued companies by looking at a number of key metrics. These include the long-favored P/E ratio, P/S ratio, earnings yield, cash flow per share, and a variety of other fundamentals that help us determine a company's fair value.
PGR currently has a forward P/E ratio of 13.91, while KNSL has a forward P/E of 24.67. We also note that PGR has a PEG ratio of 1.43. This popular figure is similar to the widely-used P/E ratio, but the PEG ratio also considers a company's expected EPS growth rate. KNSL currently has a PEG ratio of 1.66.
Another notable valuation metric for PGR is its P/B ratio of 4.42. Investors use the P/B ratio to look at a stock's market value versus its book value, which is defined as total assets minus total liabilities. By comparison, KNSL has a P/B of 6.11.
Based on these metrics and many more, PGR holds a Value grade of B, while KNSL has a Value grade of D.
PGR is currently sporting an improving earnings outlook, which makes it stick out in our Zacks Rank model. And, based on the above valuation metrics, we feel that PGR is likely the superior value option right now.
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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.

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