All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2021-12-21.
From the record
Kinsale Capital Group, Inc.'s filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2021-12-21) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+33.2% a year over 10 filed years; profitable in 10 of 10.
From the record
Kinsale Capital Group, Inc.'s 10 filed years say what it did: revenue went from $142 million in fiscal 2016 to $1.9 billion in fiscal 2025, up 33.2% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.2% a year. 5% of cash flow returned. Insiders: 11 sales, 15 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Kinsale Capital Group, Inc.'s diluted share count grew about 0.2% a year, and dividends and buybacks returned about 5% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 11 sales and 15 purchases of their own stock on the open market in the year to 2026-09-30, buying about $1 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 26%: 26¢ of profit per shareholder dollar. Leverage 68%: owes 68¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Kinsale Capital Group, Inc. earned about 26 cents of profit for every dollar of shareholders' money. Leverage: it owed about 68 cents per dollar of assets, and net share issuance: its share count shrank 0.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 27% of 60 in its family; net margin 26.9%.
From the record
Kinsale Capital Group, Inc.'s standing among 60 graded names in its industry family: revenue of $1.9 billion in fiscal 2025 ranks in the top 46% by size; a net margin of 26.9% ranks in the top 14%; revenue growth of 30.7% a year over the last 3 filed years ranks in the top 21% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 49% of 47 in its family for leadership; chief executive since 2016.
From the record
Kinsale Capital Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Kehoe, Michael P (Chairman President and CEO, as filed), filing under that title since 2016-07-28, 10.3 years (top 33% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 8.3 years (top 41%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (bottom 21%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 39% of 60 in its family for room to expand.
From the record
Kinsale Capital Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $163 million against debt of $224 million leaves -1% of its assets as net cash, bottom 28% of its family; cash from operations less capital spending is 52.8% of revenue (top 6%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 37% of 56 in its family for growth drivers.
From the record
Kinsale Capital Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 30.7% a year over the last three filed years against 33.2% over all 10, slowing (bottom 15% of its family); the newest year grew 18.1% (top 24%); capital spending grew 98.1% a year (top 1%) (its annual reports). Kinsale Capital Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 37% of 56 in its family for expectations against reality.
From the record
Kinsale Capital Group, Inc.'s newest year against its own record: revenue of $1.9 billion in fiscal 2025 came in 14.2% below the $2.2 billion its prior three years' pace pointed to (bottom 21% of its family); net income of $504 million against a prior three-year average of $294 million (bottom 46%); a net margin of 26.9% against 23.4% before (bottom 46%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
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