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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:BOW - US10240L1026 - Common Stock

26.23 USD
-0.54 (-2.02%)
Last: 12/3/2025, 8:11:46 PM
26.23 USD
0 (0%)
After Hours: 12/3/2025, 8:11:46 PM
Fundamental Rating

4

Overall BOW gets a fundamental rating of 4 out of 10. We evaluated BOW against 148 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 valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BOW was profitable.
In the past year BOW had a positive cash flow from operations.
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 has a Return On Assets (2.51%) which is in line with its industry peers.
BOW's Return On Equity of 12.19% is in line compared to the rest of the industry. BOW outperforms 53.38% of its industry peers.
BOW has a Return On Invested Capital of 4.30%. This is in the better half of the industry: BOW outperforms 72.30% of its industry peers.
BOW had an Average Return On Invested Capital over the past 3 years of 4.13%. This is in line with the industry average of 4.57%.
The last Return On Invested Capital (4.30%) for BOW is above the 3 year average (4.13%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.51%
ROE 12.19%
ROIC 4.3%
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

Looking at the Profit Margin, with a value of 10.12%, BOW is in the better half of the industry, outperforming 60.81% of the companies in the same industry.
Looking at the Operating Margin, with a value of 22.42%, BOW belongs to the top of the industry, outperforming 83.11% of the companies in the same industry.
Industry RankSector Rank
OM 22.42%
PM (TTM) 10.12%
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.
Compared to 1 year ago, BOW has more shares outstanding
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/WACC0.49
WACC8.73%
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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3

3. Growth

3.1 Past

The earnings per share for BOW have decreased by -1.44% in the last year.
Looking at the last year, BOW shows a very negative growth in Revenue. The Revenue has decreased by -11.95% in the last year.
EPS 1Y (TTM)-1.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%23.68%
Revenue 1Y (TTM)-11.95%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.08%

3.2 Future

The Earnings Per Share is expected to grow by 19.65% on average over the next years. This is quite good.
Based on estimates for the next years, BOW will show a very strong growth in Revenue. The Revenue will grow by 23.28% on average per year.
EPS Next Y20.53%
EPS Next 2Y22.77%
EPS Next 3Y21.67%
EPS Next 5Y19.65%
Revenue Next Year26.84%
Revenue Next 2Y25%
Revenue Next 3Y23.28%
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 2028 2029 2030 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

BOW is valuated correctly with a Price/Earnings ratio of 16.39.
Compared to the rest of the industry, the Price/Earnings ratio of BOW indicates a slightly more expensive valuation: BOW is more expensive than 63.51% of the companies listed in the same industry.
BOW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.37, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.04, which indicates a correct valuation of BOW.
The rest of the industry has a similar Price/Forward Earnings ratio as BOW.
When comparing the Price/Forward Earnings ratio of BOW to the average of the S&P500 Index (36.20), we can say BOW is valued rather cheaply.
Industry RankSector Rank
PE 16.39
Fwd PE 13.04
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

Based on the Enterprise Value to EBITDA ratio, BOW is valued a bit cheaper than 75.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOW indicates a rather cheap valuation: BOW is cheaper than 85.81% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.62
EV/EBITDA 5.58
BOW Per share dataBOW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BOW's earnings are expected to grow with 21.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y22.77%
EPS Next 3Y21.67%

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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 (12/3/2025, 8:11:46 PM)

After market: 26.23 0 (0%)

26.23

-0.54 (-2.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/bmo
Earnings (Next)02-23 2026-02-23
Inst Owners57.99%
Inst Owner Change0.31%
Ins Owners3.31%
Ins Owner Change-1.4%
Market Cap859.82M
Revenue(TTM)519.24M
Net Income(TTM)52.55M
Analysts76
Price Target35.87 (36.75%)
Short Float %4.73%
Short Ratio3.92
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)8.41%
Min EPS beat(2)2.95%
Max EPS beat(2)13.87%
EPS beat(4)4
Avg EPS beat(4)11.31%
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)0
Avg Revenue beat(2)-5.38%
Min Revenue beat(2)-7.77%
Max Revenue beat(2)-2.99%
Revenue beat(4)1
Avg Revenue beat(4)-3.62%
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)-10.29%
PT rev (3m)-10.29%
EPS NQ rev (1m)5.05%
EPS NQ rev (3m)4%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.32%
Revenue NQ rev (1m)-1.31%
Revenue NQ rev (3m)-5.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.69%
Valuation
Industry RankSector Rank
PE 16.39
Fwd PE 13.04
P/S 1.66
P/FCF 2.62
P/OCF 2.58
P/B 1.99
P/tB 1.99
EV/EBITDA 5.58
EPS(TTM)1.6
EY6.1%
EPS(NY)2.01
Fwd EY7.67%
FCF(TTM)10.02
FCFY38.18%
OCF(TTM)10.15
OCFY38.71%
SpS15.84
BVpS13.15
TBVpS13.15
PEG (NY)0.8
PEG (5Y)N/A
Graham Number21.76
Profitability
Industry RankSector Rank
ROA 2.51%
ROE 12.19%
ROCE 5.6%
ROIC 4.3%
ROICexc 4.75%
ROICexgc 6.78%
OM 22.42%
PM (TTM) 10.12%
GM N/A
FCFM 63.23%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 196.81%
Cap/Sales 0.88%
Interest Coverage 250
Cash Conversion 280.39%
Profit Quality 624.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.73%
ROIC/WACC0.49
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)-1.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%23.68%
EPS Next Y20.53%
EPS Next 2Y22.77%
EPS Next 3Y21.67%
EPS Next 5Y19.65%
Revenue 1Y (TTM)-11.95%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.08%
Revenue Next Year26.84%
Revenue Next 2Y25%
Revenue Next 3Y23.28%
Revenue Next 5YN/A
EBIT growth 1Y2.94%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year40.72%
EBIT Next 3Y29.59%
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

BOWHEAD SPECIALTY HOLDINGS I / BOW FAQ

Can you provide the ChartMill fundamental rating for BOWHEAD SPECIALTY HOLDINGS I?

ChartMill assigns a fundamental rating of 4 / 10 to BOW.


Can you provide the valuation status for BOWHEAD SPECIALTY HOLDINGS I?

ChartMill assigns a valuation rating of 6 / 10 to BOWHEAD SPECIALTY HOLDINGS I (BOW). This can be considered as Fairly Valued.


Can you provide the profitability details for BOWHEAD SPECIALTY HOLDINGS I?

BOWHEAD SPECIALTY HOLDINGS I (BOW) has a profitability rating of 4 / 10.


Can you provide the financial health for BOW stock?

The financial health rating of BOWHEAD SPECIALTY HOLDINGS I (BOW) is 4 / 10.


What is the earnings growth outlook for BOWHEAD SPECIALTY HOLDINGS I?

The Earnings per Share (EPS) of BOWHEAD SPECIALTY HOLDINGS I (BOW) is expected to grow by 20.53% in the next year.