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Bowhead Specialty Holdings Inc.

BOW

$33.45 ▼ -0.40 (-1.18%) at close

13 Visible periods

31 Metrics

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Good

Neutral

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Analytical Summary

Bowhead Specialty Holdings Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $1.1B

Dividend Yield —

Revenue Growth 26.9% →

Op. Margin 13.2% ↗

ROIC None

FCF / Share None

Trailing P/E 68.3x

Price / Book 2.4x

FCF Yield —

Debt / Equity 0.32

info Valuation on last close. End-of-day price, Aug 7, 2026.

13-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$155.69M

↑ +26.9% —

Net Income Profit after all expenses

$16.01M

↑ +40.1% —

Operating Margin Operating profit as % of sales

13.2%

↑ +12.5% 61th

Long-Term Debt Long-term obligations

$146.51M

— 0.0% —

Health Breakdown

Profitability ↑

Returns ↓

Financial Health

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue Growth YoY (%)	26.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+348%)	27.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+352%)	23.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+288%)	34.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+479%)	35.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+489%)	44.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+635%)	53.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+791%)	51.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+752%)	—	—	—	—	—
EPS Growth YoY (%)	40.0% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	4.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	24.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	90.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	20.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	115.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.8% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	-25.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	40.1% Excellent ↓ Excellent Declining Year-over-year change in net income	9.1% Fair ↓ Fair Declining Year-over-year change in net income	62.9% Excellent ↓ Excellent Declining Year-over-year change in net income	62.9% Excellent ↓ Excellent Declining Year-over-year change in net income	62.9% Excellent ↓ Excellent Declining Year-over-year change in net income	184.4% Excellent ↑ Excellent Improving Year-over-year change in net income	40.2% Excellent Excellent Year-over-year change in net income	40.2% Excellent Excellent Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Operating Margin (%) (%)	13.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	11.7% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	13.3% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	11.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	11.8% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	15.3% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	13.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	7.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	10.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	7.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	14.8% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	12.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	—
Effective Tax Rate (%) (%)	22.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	10.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	9.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	7.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	8.6% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	9.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	11.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	6.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	7.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	7.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	5.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	6.6% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	7.6% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	3.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Debt to Equity (x)	0.32x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.33x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue per Share (USD)	$4.75	—	$4.39	$4.07	$3.76	—	$3.58	$3.58	$3.78	—	$3.17	$2.73	—
Basic EPS, GAAP (USD)	$0.49	$0.45	$0.46	$0.38	$0.35	$0.43	$0.37	$0.20	$0.29	$0.20	$0.36	$0.27	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$13.94	$13.67	$13.12	$12.42	$11.97	$11.33	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$13.94	$13.67	$13.12	$12.42	$11.97	$11.33	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	32.81M	—	32.78M	32.72M	32.66M	—	32.66M	27.65M	24.00M	—	24.00M	24.00M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$146.51M	$146.45M	—	—	—	$0.00	—	—	—	—	—	—	—
Total Equity (USD)	$457.90M	$448.27M	$430.23M	$407.20M	$390.95M	$370.18M	—	—	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Sales/Revenue/Turnover (USD)	$155.69M	$151.68M	$143.93M	$133.26M	$122.72M	$119.33M	$116.76M	$98.90M	$90.67M	$82.81M	$76.09M	$65.45M	—
Depreciation Expense (USD)	$617.00K	$560.00K	$462.00K	$356.00K	$401.00K	$1.10M	$1.05M	$960.00K	$759.00K	$810.00K	$779.00K	—	—
Net Income, GAAP (USD)	$16.01M	$14.84M	$11.43M	$11.43M	$11.43M	$13.61M	$7.01M	$7.01M	$7.01M	$4.78M	$5.00M	$5.00M	—
Operating Cash Flow (USD)	$65.46M	$60.15M	$114.74M	$108.98M	$47.72M	$61.42M	$119.45M	$71.51M	$41.91M	$61.37M	$88.27M	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Premiums Earned (USD)	$136.81M	—	$128.41M	$119.14M	$109.82M	—	$105.18M	$90.09M	$82.98M	—	$70.87M	$61.37M	—
Loss Ratio (%) (%)	66.9%	—	65.9%	66.2%	66.9%	—	64.5%	65.5%	65.5%	—	60.4%	61.0%	—

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Synced 1 week ago 4 years · 13 quarters

Bowhead Specialty Holdings Inc.

Analytical Summary

13-Year Financial Trajectory

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