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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

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

36.39  +0.03 (+0.08%)

After market: 36.39 0 (0%)

Fundamental Rating

4

Taking everything into account, BOW scores 4 out of 10 in our fundamental rating. BOW was compared to 143 industry peers in the Insurance industry. BOW has an average financial health and profitability rating. 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.
BOW had a positive operating cash flow in the past year.
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 (2.43%) which 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.
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.
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 last Return On Invested Capital (4.32%) for BOW is above the 3 year average (4.13%), which is a sign of increasing profitability.
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's Profit Margin of 9.32% is fine compared to the rest of the industry. BOW outperforms 61.54% of its industry peers.
BOW has a Operating Margin of 21.40%. This is amongst the best in the industry. BOW outperforms 83.22% 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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BOW is destroying value.
BOW has more shares outstanding than it did 1 year ago.
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/WACC0.45
WACC9.5%
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.
The Revenue has grown by 50.20% in the past year. This is a very strong growth!
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.41% yearly.
BOW is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.62% yearly.
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

With a Price/Earnings ratio of 25.63, BOW can be considered very expensive at the moment.
BOW's Price/Earnings ratio is a bit more expensive when compared to the industry. BOW is more expensive than 72.03% of the companies in the same industry.
BOW is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 18.49 indicates a rather expensive valuation of BOW.
Based on the Price/Forward Earnings ratio, BOW is valued a bit more expensive than the industry average as 69.93% of the companies are valued more cheaply.
BOW's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.13.
Industry RankSector Rank
PE 25.63
Fwd PE 18.49
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as BOW.
Based on the Price/Free Cash Flow ratio, BOW is valued a bit cheaper than the industry average as 73.43% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.01
EV/EBITDA 10.84
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 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

BOW does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BOWHEAD SPECIALTY HOLDINGS I

NYSE:BOW (6/13/2025, 8:04:01 PM)

After market: 36.39 0 (0%)

36.39

+0.03 (+0.08%)

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 Owners90.41%
Inst Owner Change1.38%
Ins Owners3.86%
Ins Owner Change1.59%
Market Cap1.19B
Analysts74
Price Target44.12 (21.24%)
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%
EPS NQ rev (3m)-2.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.39%
Revenue NQ rev (1m)-5.03%
Revenue NQ rev (3m)3.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.36%
Valuation
Industry RankSector Rank
PE 25.63
Fwd PE 18.49
P/S 2.6
P/FCF 4.01
P/OCF 3.96
P/B 3.04
P/tB 3.04
EV/EBITDA 10.84
EPS(TTM)1.42
EY3.9%
EPS(NY)1.97
Fwd EY5.41%
FCF(TTM)9.08
FCFY24.95%
OCF(TTM)9.19
OCFY25.25%
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
WACC9.5%
ROIC/WACC0.45
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