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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

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

32.42  +0.5 (+1.57%)

After market: 32.42 0 (0%)

Fundamental Rating

4

Overall BOW gets a fundamental rating of 4 out of 10. We evaluated BOW against 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. BOW has a correct valuation and a medium growth rate.


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 of 2.43%. This is comparable to the rest of the industry: BOW outperforms 53.85% of its industry peers.
With a Return On Equity value of 10.90%, BOW perfoms like the industry average, outperforming 52.45% of the companies in the same industry.
With an excellent Return On Invested Capital value of 4.32%, BOW belongs to the best of the industry, outperforming 81.12% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for BOW is in line with the industry average of 4.05%.
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 62.24% of its industry peers.
BOW's Operating Margin of 21.40% is amongst the best of the industry. BOW outperforms 85.31% 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

BOW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, BOW has more shares outstanding
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

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
WACC8.87%
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.
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

BOW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.43% yearly.
The Revenue is expected to grow by 22.55% on average over the next years. This is a very strong growth
EPS Next Y20.86%
EPS Next 2Y21.42%
EPS Next 3Y31.43%
EPS Next 5YN/A
Revenue Next Year32.76%
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 22.83, BOW is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of BOW indicates a slightly more expensive valuation: BOW is more expensive than 70.63% of the companies listed in the same industry.
BOW's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.24.
A Price/Forward Earnings ratio of 16.48 indicates a correct valuation of BOW.
BOW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BOW is more expensive than 65.73% of the companies in the same industry.
BOW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.42.
Industry RankSector Rank
PE 22.83
Fwd PE 16.48
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 74.83% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.57
EV/EBITDA 9.57
BOW Per share dataBOW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

The 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 31.43% in the coming years.
PEG (NY)1.09
PEG (5Y)N/A
EPS Next 2Y21.42%
EPS Next 3Y31.43%

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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 (8/4/2025, 8:04:01 PM)

After market: 32.42 0 (0%)

32.42

+0.5 (+1.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/bmo
Earnings (Next)08-05 2025-08-05/bmo
Inst Owners90.41%
Inst Owner Change0.81%
Ins Owners3.86%
Ins Owner Change1.43%
Market Cap1.06B
Analysts74
Price Target43.61 (34.52%)
Short Float %3.73%
Short Ratio3.78
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)-1.16%
PT rev (3m)6.88%
EPS NQ rev (1m)-0.93%
EPS NQ rev (3m)-2.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.21%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-2.01%
Valuation
Industry RankSector Rank
PE 22.83
Fwd PE 16.48
P/S 2.31
P/FCF 3.57
P/OCF 3.53
P/B 2.71
P/tB 2.71
EV/EBITDA 9.57
EPS(TTM)1.42
EY4.38%
EPS(NY)1.97
Fwd EY6.07%
FCF(TTM)9.08
FCFY28.01%
OCF(TTM)9.19
OCFY28.34%
SpS14.01
BVpS11.98
TBVpS11.98
PEG (NY)1.09
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
WACC8.87%
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)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 Year32.76%
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