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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

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

36.42  +0.06 (+0.17%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BOW. BOW was compared to 143 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. While showing a medium growth rate, BOW is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

BOW had positive earnings in the past year.
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

The Return On Assets of BOW (2.43%) is comparable to the rest of the industry.
BOW has a Return On Equity of 10.90%. This is comparable to the rest of the industry: BOW outperforms 55.24% of its industry peers.
BOW has a better Return On Invested Capital (4.32%) than 81.12% 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 4.07%.
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 has a Profit Margin of 9.32%. This is in the better half of the industry: BOW outperforms 61.54% of its industry peers.
With an excellent Operating Margin value of 21.40%, BOW belongs to the best of the industry, outperforming 83.22% of the companies in the same industry.
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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BOW is destroying value.
The number of shares outstanding for BOW has been increased compared to 1 year ago.
BOW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.48
WACC9.05%
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

The Earnings Per Share has grown by an impressive 62.21% over the past year.
Looking at the last year, BOW shows a very strong growth in Revenue. 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

The Earnings Per Share is expected to grow by 19.41% 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 23.62% on average per year.
EPS Next Y20.86%
EPS Next 2Y21.42%
EPS Next 3Y19.41%
EPS Next 5YN/A
Revenue Next Year36.38%
Revenue Next 2Y26.49%
Revenue Next 3Y23.62%
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 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 25.65 indicates a quite expensive valuation of BOW.
BOW's Price/Earnings ratio is a bit more expensive when compared to the industry. BOW is more expensive than 71.33% of the companies in the same industry.
When comparing the Price/Earnings ratio of BOW to the average of the S&P500 Index (26.60), we can say BOW is valued inline with the index average.
The Price/Forward Earnings ratio is 18.51, which indicates a rather expensive current valuation of BOW.
BOW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BOW is more expensive than 69.23% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.39. BOW is around the same levels.
Industry RankSector Rank
PE 25.65
Fwd PE 18.51
BOW Price Earnings VS Forward Price EarningsBOW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BOW is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOW indicates a somewhat cheap valuation: BOW is cheaper than 73.43% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.01
EV/EBITDA 10.83
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.
A more expensive valuation may be justified as BOW's earnings are expected to grow with 19.41% in the coming years.
PEG (NY)1.23
PEG (5Y)N/A
EPS Next 2Y21.42%
EPS Next 3Y19.41%

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0

5. Dividend

5.1 Amount

No dividends for BOW!.
Industry RankSector Rank
Dividend Yield N/A

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BOWHEAD SPECIALTY HOLDINGS I

NYSE:BOW (6/13/2025, 2:42:25 PM)

36.42

+0.06 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/bmo
Earnings (Next)08-04 2025-08-04
Inst Owners90.25%
Inst Owner Change1.38%
Ins Owners4.07%
Ins Owner Change1.59%
Market Cap1.19B
Analysts74
Price Target44.12 (21.14%)
Short Float %2.61%
Short Ratio2.57
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)8.13%
PT rev (3m)16.26%
EPS NQ rev (1m)-0.96%
EPS NQ rev (3m)-1.55%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)-1.39%
Revenue NQ rev (1m)-2.21%
Revenue NQ rev (3m)3.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.36%
Valuation
Industry RankSector Rank
PE 25.65
Fwd PE 18.51
P/S 2.6
P/FCF 4.01
P/OCF 3.96
P/B 3.04
P/tB 3.04
EV/EBITDA 10.83
EPS(TTM)1.42
EY3.9%
EPS(NY)1.97
Fwd EY5.4%
FCF(TTM)9.08
FCFY24.93%
OCF(TTM)9.19
OCFY25.23%
SpS14.01
BVpS11.98
TBVpS11.98
PEG (NY)1.23
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
WACC9.05%
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 3Y19.41%
EPS Next 5YN/A
Revenue 1Y (TTM)50.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.11%
Revenue Next Year36.38%
Revenue Next 2Y26.49%
Revenue Next 3Y23.62%
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