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BOWHEAD SPECIALTY HOLDINGS I (BOW) Stock Fundamental Analysis

NYSE:BOW - US10240L1026 - Common Stock

31.4 USD
+0.21 (+0.67%)
Last: 8/27/2025, 8:04:01 PM
31.4 USD
0 (0%)
After Hours: 8/27/2025, 8:04:01 PM
Fundamental Rating

4

BOW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. BOW has only an average score on both its financial health and profitability. 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

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 decent Return On Assets value of 2.55%, BOW is doing good in the industry, outperforming 61.54% of the companies in the same industry.
The Return On Equity of BOW (12.13%) is comparable to the rest of the industry.
BOW's Return On Invested Capital of 4.35% is fine compared to the rest of the industry. BOW outperforms 79.72% of its industry peers.
The Average Return On Invested Capital over the past 3 years for BOW is in line with the industry average of 4.11%.
The 3 year average ROIC (4.13%) for BOW is below the current ROIC(4.35%), indicating increased profibility in the last year.
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

The Profit Margin of BOW (10.05%) is better than 67.13% of its industry peers.
With an excellent Operating Margin value of 22.24%, BOW belongs to the best of the industry, outperforming 86.01% 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

BOW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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

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
WACC8.9%
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%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 21.32% on average per year.
The Revenue is expected to grow by 25.98% on average over the next years. This is a very strong growth
EPS Next Y20.92%
EPS Next 2Y22.66%
EPS Next 3Y21.32%
EPS Next 5YN/A
Revenue Next Year33.09%
Revenue Next 2Y29.08%
Revenue Next 3Y25.98%
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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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 20.79, the valuation of BOW can be described as rather expensive.
BOW's Price/Earnings ratio is a bit more expensive when compared to the industry. BOW is more expensive than 70.63% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.14, BOW is valued a bit cheaper.
The Price/Forward Earnings ratio is 15.64, which indicates a correct valuation of BOW.
Based on the Price/Forward Earnings ratio, BOW is valued a bit more expensive than the industry average as 63.64% of the companies are valued more cheaply.
BOW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.80, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.79
Fwd PE 15.64
BOW Price Earnings VS Forward Price EarningsBOW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

BOW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. BOW is cheaper than 60.84% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOW indicates a rather cheap valuation: BOW is cheaper than 81.12% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.09
EV/EBITDA 8.14
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 21.32% in the coming years.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y22.66%
EPS Next 3Y21.32%

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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 (8/27/2025, 8:04:01 PM)

After market: 31.4 0 (0%)

31.4

+0.21 (+0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-03 2025-11-03
Inst Owners57.23%
Inst Owner Change1.41%
Ins Owners3.82%
Ins Owner Change-1.33%
Market Cap1.03B
Analysts74
Price Target39.98 (27.32%)
Short Float %3.84%
Short Ratio2.98
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)-8.3%
PT rev (3m)-2%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)-4.72%
EPS NY rev (1m)0.05%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.83%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)-2.42%
Valuation
Industry RankSector Rank
PE 20.79
Fwd PE 15.64
P/S 2.09
P/FCF 3.09
P/OCF 3.05
P/B 2.52
P/tB 2.52
EV/EBITDA 8.14
EPS(TTM)1.51
EY4.81%
EPS(NY)2.01
Fwd EY6.4%
FCF(TTM)10.17
FCFY32.38%
OCF(TTM)10.3
OCFY32.8%
SpS15.01
BVpS12.44
TBVpS12.44
PEG (NY)0.99
PEG (5Y)N/A
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
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-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
WACC8.9%
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%32.14%
EPS Next Y20.92%
EPS Next 2Y22.66%
EPS Next 3Y21.32%
EPS Next 5YN/A
Revenue 1Y (TTM)50.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.25%
Revenue Next Year33.09%
Revenue Next 2Y29.08%
Revenue Next 3Y25.98%
Revenue Next 5YN/A
EBIT growth 1Y64.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year37.38%
EBIT Next 3Y27.76%
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