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CoverageForm 410-K10-Q8-K13D13G13F

BOW · Bowhead Specialty Holdings Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

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Income Statement

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q4 '22Q4 '21
Revenue$155.69M-$143.93M$133.26M$90.67M-$116.76M$65.45M--
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses$25.80M-$25.84M$25.85M$20.52M-$22.39M$14.62M--
D&A$617.0K---$759.0K-----
Operating Income$20.57M-$19.11M$15.92M$9.06M-$11.26M$7.41M--
Interest Expense$3.16M-$262.0K$261.0K$0-$0$0--
Income Tax$4.56M-$3.93M$3.57M$2.04M-$3.73M$1.91M--
Net Income$16.01M-$15.18M$12.34M$11.43M-$12.09M$5.53M--
EPS - Basic$0.49-$0.46$0.38$0.29-$0.36$0.27--
EPS - Diluted$0.48-$0.45$0.36$0.29-$0.36$0.27--

Balance Sheet

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q4 '22Q4 '21
Cash & Equivalents$97.19M$193.54M$197.85M$114.82M$88.05M$97.48M$132.89M$118.07M$64.66M$87.47M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$2.48B$2.37B$2.09B$1.94B$1.75B$1.65B$1.55B$1.40B--
Current Liabilities----------
Long-term Debt$146.51M$146.45M---$0----
Total Liabilities$2.02B$1.92B$1.66B$1.53B$1.36B$1.28B$1.18B$1.06B--
Stockholders' Equity$457.90M$448.27M$430.23M$407.20M$390.95M$370.18M$364.67M$339.87M--
Retained Earnings$132.71M$116.69M$101.85M$86.68M$74.33M$62.91M$49.30M$37.21M--

Cash Flow

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q4 '22Q4 '21
Operating Cash Flow$65.46M---$41.91M-----
Investing Cash Flow($156.91M)---($79.12M)-----
Financing Cash Flow($789.0K)---$2.84M-----
CapEx$1.29M---$808.0K-----
Free Cash Flow$64.17M---$41.10M-----

Ratios

MetricQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q4 '22Q4 '21
Profitability
Gross margin----------
Operating margin13.2%-13.3%11.9%10.0%-9.6%11.3%--
EBITDA margin13.6%---10.8%-----
Net margin10.3%-10.5%9.3%12.6%-10.4%8.5%--
Free cash flow margin41.2%---45.3%-----
FCF / Net income4.01---3.60-----
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate22.2%-20.6%22.5%15.2%-23.6%25.6%--
Return on assets0.6%-0.7%0.6%0.7%-0.8%0.4%--
Return on equity3.5%-3.5%3.0%2.9%-3.3%1.6%--
Return on invested capital2.6%---------
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity0.320.33---0.00----
Debt / Assets0.060.06---0.00----
Debt / EBITDA6.91---------
Interest coverage6.5x-72.9x61.0x------
Equity multiplier5.415.294.874.774.484.474.244.11--
Liabilities / Assets0.810.810.790.790.780.780.760.76--
Efficiency
Asset turnover0.06-0.070.070.05-0.080.05--
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E46.7x-60.1x104.2x140.2x-77.8x93.9x--
P / B1.6x-2.1x3.1x2.5x-2.6x2.1x--
P / S4.8x-6.3x9.6x10.8x-8.0x10.8x--
EV / EBITDA37.6x---90.4x-----
Growth
Revenue growth (YoY)71.7%-23.3%103.6%------
Revenue CAGR (3y)----------
Revenue CAGR (5y)----------
Gross profit growth (YoY)----------
Operating income growth (YoY)127.2%-69.6%114.8%------
Net income growth (YoY)40.1%-25.5%123.1%------
EPS growth (YoY)65.5%-25.0%33.3%------
EPS CAGR (3y)----------
EPS CAGR (5y)----------
FCF growth (YoY)56.1%---------
FCF CAGR (5y)----------
Book value growth (YoY)17.1%21.1%18.0%19.8%------

Peer comparison

Same SIC group: Fire, Marine & Casualty Insurance

CompanyRevenue (last FY)Net marginROE
PGR$87.67B12.9%37.3%
DGICA$978.01M8.1%12.4%
AIG$26.77B11.6%7.5%
TRV$48.83B12.9%19.1%
CINF$12.63B18.9%15.0%

Comparing Bowhead Specialty Holdings Inc. against the 5 most active filers in the same SIC group.