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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

USA - NYSE:BOW - US10240L1026 - Common Stock

25.87 USD
+0.8 (+3.19%)
Last: 11/7/2025, 8:04:00 PM
25.87 USD
0 (0%)
After Hours: 11/7/2025, 8:04:00 PM
Fundamental Rating

4

Taking everything into account, BOW scores 4 out of 10 in our fundamental rating. BOW was compared to 146 industry peers in the Insurance industry. BOW has an average financial health and profitability rating. 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.
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 (2.55%) which is comparable to the rest of the industry.
BOW's Return On Equity of 12.13% is in line compared to the rest of the industry. BOW outperforms 58.22% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.35%, BOW is in the better half of the industry, outperforming 76.03% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for BOW is in line with the industry average of 4.56%.
The last Return On Invested Capital (4.35%) for BOW is above the 3 year average (4.13%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.55%
ROE 12.13%
ROIC 4.35%
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

With a decent Profit Margin value of 10.05%, BOW is doing good in the industry, outperforming 65.07% of the companies in the same industry.
With an excellent Operating Margin value of 22.24%, BOW belongs to the best of the industry, outperforming 84.93% of the companies in the same industry.
Industry RankSector Rank
OM 22.24%
PM (TTM) 10.05%
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

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/WACC0.5
WACC8.75%
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%32.14%
Revenue 1Y (TTM)50.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.25%

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 20.45% on average per year.
The Revenue is expected to grow by 23.28% on average over the next years. This is a very strong growth
EPS Next Y20.53%
EPS Next 2Y22.77%
EPS Next 3Y21.67%
EPS Next 5Y20.45%
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 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

BOW is valuated rather expensively with a Price/Earnings ratio of 17.13.
Compared to the rest of the industry, the Price/Earnings ratio of BOW indicates a slightly more expensive valuation: BOW is more expensive than 64.38% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BOW to the average of the S&P500 Index (26.06), we can say BOW is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.86 indicates a correct valuation of BOW.
BOW's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, BOW is valued rather cheaply.
Industry RankSector Rank
PE 17.13
Fwd PE 12.86
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 the industry average as 69.18% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOW indicates a rather cheap valuation: BOW is cheaper than 86.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.54
EV/EBITDA 6.53
BOW Per share dataBOW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

BOW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BOW's earnings are expected to grow with 21.67% in the coming years.
PEG (NY)0.83
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 (11/7/2025, 8:04:00 PM)

After market: 25.87 0 (0%)

25.87

+0.8 (+3.19%)

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 Change0.69%
Ins Owners3.31%
Ins Owner Change-1.6%
Market Cap848.02M
Revenue(TTM)492.07M
Net Income(TTM)49.47M
Analysts76
Price Target36.38 (40.63%)
Short Float %4.46%
Short Ratio3.12
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)2.59%
Min EPS beat(2)2.22%
Max EPS beat(2)2.95%
EPS beat(4)4
Avg EPS beat(4)8.57%
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)-7.91%
Min Revenue beat(2)-8.06%
Max Revenue beat(2)-7.77%
Revenue beat(4)1
Avg Revenue beat(4)-4.03%
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)-9.01%
PT rev (3m)-16.57%
EPS NQ rev (1m)-3.58%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)-0.84%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.77%
Revenue NY rev (1m)-1.78%
Revenue NY rev (3m)-4.45%
Valuation
Industry RankSector Rank
PE 17.13
Fwd PE 12.86
P/S 1.72
P/FCF 2.54
P/OCF 2.51
P/B 2.08
P/tB 2.08
EV/EBITDA 6.53
EPS(TTM)1.51
EY5.84%
EPS(NY)2.01
Fwd EY7.78%
FCF(TTM)10.17
FCFY39.3%
OCF(TTM)10.3
OCFY39.81%
SpS15.01
BVpS12.44
TBVpS12.44
PEG (NY)0.83
PEG (5Y)N/A
Graham Number20.56
Profitability
Industry RankSector Rank
ROA 2.55%
ROE 12.13%
ROCE 5.67%
ROIC 4.35%
ROICexc 4.63%
ROICexgc 6.44%
OM 22.24%
PM (TTM) 10.05%
GM N/A
FCFM 67.73%
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-Score7
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 148.25%
Cap/Sales 0.88%
Interest Coverage 250
Cash Conversion 300.43%
Profit Quality 673.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.75%
ROIC/WACC0.5
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%32.14%
EPS Next Y20.53%
EPS Next 2Y22.77%
EPS Next 3Y21.67%
EPS Next 5Y20.45%
Revenue 1Y (TTM)50.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.25%
Revenue Next Year26.84%
Revenue Next 2Y25%
Revenue Next 3Y23.28%
Revenue Next 5YN/A
EBIT growth 1Y64.83%
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 5 / 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.