Kestrel Group, Ltd. (KG)

Nasdaq: KG · Fire, Marine & Casualty Insurance · Pembroke · filing with the SEC since 2025

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Grade3.5

◀ Past 3.2● Present 4.0▶ Future 3.4

4 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Kestrel Group, Ltd.

Nine metrics read from its own filings, by tense

Headline grade

3.5/10

◀ Past3.240% of the headline

● Present4.035% of the headline

▶ Future3.425% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 5 read as filed from the record and 4 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

3.2/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

0.2/10

Has it survived what it has been through?

4 warning events since 2025; the latest 2026-04-06.

weight 33% of this tense · 2nd percentile among 60 sector filers · read for itself

From the record

Kestrel Group, Ltd.'s filings since 2025 show 4 warning events of 3 kinds: a warning not to rely on past financial statements (8-K item 4.02, the latest 2025-08-11); an auditor change (8-K item 4.01, 2 times, the latest 2026-04-06); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2025-08-11) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

SI estimate

5.0/10

What has it actually done, year after year?

SI estimate 5.0/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 56 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: Fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 56 members with one.
What the record cannot read: Fewer than three filed years of revenue on file.
How it was reasoned: family median, 56 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Kestrel Group, Ltd.'s track record is put at 5.0 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 56 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Shareholder treatment

as filed

4.5/10

How has it treated the people who own it?

Share count grew 108.5% a year. 88% of cash flow returned. Insiders: 0 sales, 1 purchases.

weight 45% of this tense · 45th percentile among 49 sector filers · read for its shareholders

From the record

Over the fiscal year to 2025-12-31, Kestrel Group, Ltd.'s diluted share count grew about 108.5% a year, and dividends and buybacks returned about 88% of its net income over 2 years (its filed statements). Its officers and directors filed 0 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $13 thousand (their Form 4 filings).

What it rests on

the share count over the yearsbottom 1% of its family
cash returned against operating cash flowtop 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.0/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

3.6/10

Is it financially healthy right now?

ROE 36%: 36¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.

weight 45% of this tense · 36th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Kestrel Group, Ltd. earned about 36 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 108.4% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 13% of its family
return on equitytop 6% of its family
the share count against the year beforebottom 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

6.7/10

How strong is its position in its industry?

top 33% of 60 in its family; net margin 137.2%.

weight 33% of this tense · 67th percentile among 60 sector filers · read for its customers

From the record

Kestrel Group, Ltd.'s standing among 60 graded names in its industry family: revenue of $34 million in fiscal 2025 ranks in the bottom 4% by size; a net margin of 137.2% ranks in the top 2%; revenue growth of 786.4% a year over the last 1 filed years ranks in the top 1% (its annual reports).

What it rests on

revenue against the family$34.0Mbottom 4% of its family
net margin137.2%top 2% of its family
three-year revenue growth786.4%top 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

1.0/10

What are the people in charge doing?

SI estimate 1.0/10, confidence 35 of 100 (one part).

weight 22% of this tense · 10th percentile among 55 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 10% of 55 in its family; the record of its people begins on 2025-05-27 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.5 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2025-05-27 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.5 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 55 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Kestrel Group, Ltd.'s leadership is put at 1.0 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 10% of 55 in its family; the record of its people begins on 2025-05-27 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.5 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.4/1025% of the headline grade · 1 of 3 filed, 2 estimated

Room to expand

as filed

0.3/10

How much room does it have to grow?

bottom 3% of 60 in its family for room to expand.

weight 33% of this tense · 3rd percentile among 60 sector filers · read for itself

From the record

Kestrel Group, Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of $17 million against debt of $174 million leaves -15.6% of its assets as net cash, bottom 6% of its family; cash from operations less capital spending is -282.4% of revenue (bottom 1%) (its annual report).

What it rests on

cash less debt against assets-15.6%bottom 6% of its family
cash from operations less capital spending against revenue-282.4%bottom 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

SI estimate

4.9/10

What could actually drive growth from here?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 56 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 56 members with one.
What the record cannot read: The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending.
How it was reasoned: family median, 56 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Kestrel Group, Ltd.'s growth drivers is put at 4.9 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 56 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Expectations vs reality

SI estimate

5.1/10

Did its newest year beat what its own record pointed to?

SI estimate 5.1/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 56 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 56 members with one.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: family median, 56 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Kestrel Group, Ltd.'s expectations vs reality is put at 5.1 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 56 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton KG · research, not advice