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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

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

28.75 USD
+0.08 (+0.28%)
Last: 12/26/2025, 12:37:47 PM
Fundamental Rating

3

Taking everything into account, BOW scores 3 out of 10 in our fundamental rating. BOW was compared to 148 industry peers in the Insurance industry. The financial health of BOW is average, but there are quite some concerns on its profitability. BOW has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

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

With a Return On Assets value of 2.51%, BOW perfoms like the industry average, outperforming 58.78% of the companies in the same industry.
BOW's Return On Equity of 12.19% is in line compared to the rest of the industry. BOW outperforms 55.41% of its industry peers.
BOW's Return On Invested Capital of 4.30% is fine compared to the rest of the industry. BOW outperforms 70.27% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for BOW is significantly below the industry average of 14.88%.
The 3 year average ROIC (4.13%) for BOW is below the current ROIC(4.30%), indicating increased profibility in the last year.
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

The Profit Margin of BOW (10.12%) is better than 61.49% of its industry peers.
With a decent Operating Margin value of 22.42%, BOW is doing good in the industry, outperforming 79.73% 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
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
WACC8.79%
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

BOW shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.44%.
The Revenue for BOW has decreased by -11.95% in the past year. This is quite bad
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

Based on estimates for the next years, BOW will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.65% on average per year.
Based on estimates for the next years, BOW will show a very strong growth in Revenue. The Revenue will grow by 21.18% on average per year.
EPS Next Y26.13%
EPS Next 2Y25.03%
EPS Next 3Y23.45%
EPS Next 5Y19.65%
Revenue Next Year25.43%
Revenue Next 2Y23.29%
Revenue Next 3Y21.18%
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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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.97, the valuation of BOW can be described as rather expensive.
Based on the Price/Earnings ratio, BOW is valued a bit more expensive than 63.51% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, BOW is valued a bit cheaper.
BOW is valuated correctly with a Price/Forward Earnings ratio of 13.78.
BOW's Price/Forward Earnings ratio is in line with the industry average.
BOW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.97
Fwd PE 13.78
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

Based on the Enterprise Value to EBITDA ratio, BOW is valued a bit cheaper than 72.30% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, BOW is valued cheaply inside the industry as 84.46% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.87
EV/EBITDA 6.25
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 23.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y25.03%
EPS Next 3Y23.45%

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0

5. Dividend

5.1 Amount

BOW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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BOWHEAD SPECIALTY HOLDINGS I

NYSE:BOW (12/26/2025, 12:37:47 PM)

28.75

+0.08 (+0.28%)

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 Owners64.55%
Inst Owner Change0.31%
Ins Owners3.08%
Ins Owner Change-1.4%
Market Cap942.42M
Revenue(TTM)519.24M
Net Income(TTM)52.55M
Analysts76.36
Price TargetN/A
Short Float %4.87%
Short Ratio4.59
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-3.07%
PT rev (3m)-11.81%
EPS NQ rev (1m)-0.85%
EPS NQ rev (3m)3.11%
EPS NY rev (1m)4.65%
EPS NY rev (3m)4.31%
Revenue NQ rev (1m)-2.61%
Revenue NQ rev (3m)-3.68%
Revenue NY rev (1m)-1.11%
Revenue NY rev (3m)-2.87%
Valuation
Industry RankSector Rank
PE 17.97
Fwd PE 13.78
P/S 1.82
P/FCF 2.87
P/OCF 2.83
P/B 2.19
P/tB 2.19
EV/EBITDA 6.25
EPS(TTM)1.6
EY5.57%
EPS(NY)2.09
Fwd EY7.26%
FCF(TTM)10.02
FCFY34.84%
OCF(TTM)10.15
OCFY35.32%
SpS15.84
BVpS13.15
TBVpS13.15
PEG (NY)0.69
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
WACC8.79%
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 Y26.13%
EPS Next 2Y25.03%
EPS Next 3Y23.45%
EPS Next 5Y19.65%
Revenue 1Y (TTM)-11.95%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.08%
Revenue Next Year25.43%
Revenue Next 2Y23.29%
Revenue Next 3Y21.18%
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 3 / 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 3 / 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 26.13% in the next year.