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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

NYSE:BOW - New York Stock Exchange, Inc. - US10240L1026 - Common Stock - Currency: USD

33.25  -0.89 (-2.61%)

After market: 33.25 0 (0%)

Fundamental Rating

4

BOW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. Both the profitability and the financial health of BOW get a neutral evaluation. Nothing too spectacular is happening here. BOW has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BOW was profitable.
BOW had a positive operating cash flow in the past year.
BOW Yearly Net Income VS EBIT VS OCF VS FCFBOW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

BOW's Return On Assets of 2.43% is in line compared to the rest of the industry. BOW outperforms 55.86% of its industry peers.
BOW has a Return On Equity (10.90%) which is comparable to the rest of the industry.
BOW's Return On Invested Capital of 4.32% is amongst the best of the industry. BOW outperforms 81.38% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for BOW is in line with the industry average of 4.07%.
The 3 year average ROIC (4.13%) for BOW is below the current ROIC(4.32%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.43%
ROE 10.9%
ROIC 4.32%
ROA(3y)2.25%
ROA(5y)N/A
ROE(3y)12.29%
ROE(5y)N/A
ROIC(3y)4.13%
ROIC(5y)N/A
BOW Yearly ROA, ROE, ROICBOW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2 4 6 8 10

1.3 Margins

BOW's Profit Margin of 9.32% is fine compared to the rest of the industry. BOW outperforms 61.38% of its industry peers.
The Operating Margin of BOW (21.40%) is better than 83.45% of its industry peers.
Industry RankSector Rank
OM 21.4%
PM (TTM) 9.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BOW Yearly Profit, Operating, Gross MarginsBOW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 5 10 15 20

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4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BOW is destroying value.
BOW has more shares outstanding than it did 1 year ago.
There is no outstanding debt for BOW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BOW Yearly Shares OutstandingBOW Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 10M 20M 30M
BOW Yearly Total Debt VS Total AssetsBOW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

BOW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.48
WACC9.07%
BOW Yearly LT Debt VS Equity VS FCFBOW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BOW Yearly Current Assets VS Current LiabilitesBOW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 5M 10M 15M

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5

3. Growth

3.1 Past

BOW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 62.21%, which is quite impressive.
BOW shows a strong growth in Revenue. In the last year, the Revenue has grown by 50.20%.
EPS 1Y (TTM)62.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%52.38%
Revenue 1Y (TTM)50.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.11%

3.2 Future

Based on estimates for the next years, BOW will show a very strong growth in Earnings Per Share. The EPS will grow by 31.43% on average per year.
BOW is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.55% yearly.
EPS Next Y20.86%
EPS Next 2Y21.42%
EPS Next 3Y31.43%
EPS Next 5YN/A
Revenue Next Year32.87%
Revenue Next 2Y26.49%
Revenue Next 3Y22.55%
Revenue Next 5YN/A

3.3 Evolution

BOW Yearly Revenue VS EstimatesBOW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 200M 400M 600M
BOW Yearly EPS VS EstimatesBOW Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 23.42, BOW is valued on the expensive side.
Based on the Price/Earnings ratio, BOW is valued a bit more expensive than the industry average as 68.97% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.41. BOW is around the same levels.
A Price/Forward Earnings ratio of 16.90 indicates a correct valuation of BOW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BOW indicates a slightly more expensive valuation: BOW is more expensive than 66.90% of the companies listed in the same industry.
BOW is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 23.42
Fwd PE 16.9
BOW Price Earnings VS Forward Price EarningsBOW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

BOW's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, BOW is valued a bit cheaper than 73.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.66
EV/EBITDA 9.83
BOW Per share dataBOW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

BOW's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
BOW's earnings are expected to grow with 31.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.12
PEG (5Y)N/A
EPS Next 2Y21.42%
EPS Next 3Y31.43%

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0

5. Dividend

5.1 Amount

BOW does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BOWHEAD SPECIALTY HOLDINGS I

NYSE:BOW (7/11/2025, 8:04:01 PM)

After market: 33.25 0 (0%)

33.25

-0.89 (-2.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/bmo
Earnings (Next)08-05 2025-08-05
Inst Owners90.41%
Inst Owner Change0%
Ins Owners3.86%
Ins Owner Change1.59%
Market Cap1.09B
Analysts74
Price Target44.12 (32.69%)
Short Float %2.6%
Short Ratio3.41
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.21%
Min EPS beat(2)2.22%
Max EPS beat(2)26.2%
EPS beat(4)4
Avg EPS beat(4)10.19%
Min EPS beat(4)2.22%
Max EPS beat(4)26.2%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.87%
Min Revenue beat(2)-8.06%
Max Revenue beat(2)4.32%
Revenue beat(4)1
Avg Revenue beat(4)-2.44%
Min Revenue beat(4)-8.06%
Max Revenue beat(4)4.32%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)16.26%
EPS NQ rev (1m)-0.92%
EPS NQ rev (3m)-1.87%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.21%
Revenue NY rev (1m)-2.57%
Revenue NY rev (3m)-0.28%
Valuation
Industry RankSector Rank
PE 23.42
Fwd PE 16.9
P/S 2.37
P/FCF 3.66
P/OCF 3.62
P/B 2.77
P/tB 2.77
EV/EBITDA 9.83
EPS(TTM)1.42
EY4.27%
EPS(NY)1.97
Fwd EY5.92%
FCF(TTM)9.08
FCFY27.31%
OCF(TTM)9.19
OCFY27.63%
SpS14.01
BVpS11.98
TBVpS11.98
PEG (NY)1.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.43%
ROE 10.9%
ROCE 5.63%
ROIC 4.32%
ROICexc 4.55%
ROICexgc 6.28%
OM 21.4%
PM (TTM) 9.32%
GM N/A
FCFM 64.79%
ROA(3y)2.25%
ROA(5y)N/A
ROE(3y)12.29%
ROE(5y)N/A
ROIC(3y)4.13%
ROIC(5y)N/A
ROICexc(3y)4.58%
ROICexc(5y)N/A
ROICexgc(3y)6.42%
ROICexgc(5y)N/A
ROCE(3y)5.37%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 100.77%
Cap/Sales 0.77%
Interest Coverage 250
Cash Conversion 295.72%
Profit Quality 695.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.07%
ROIC/WACC0.48
Cap/Depr(3y)265.07%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.4%
Cap/Sales(5y)N/A
Profit Quality(3y)1089.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)62.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%52.38%
EPS Next Y20.86%
EPS Next 2Y21.42%
EPS Next 3Y31.43%
EPS Next 5YN/A
Revenue 1Y (TTM)50.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.11%
Revenue Next Year32.87%
Revenue Next 2Y26.49%
Revenue Next 3Y22.55%
Revenue Next 5YN/A
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y24.58%
OCF growth 3YN/A
OCF growth 5YN/A