# Bowhead Specialty Holdings Inc. (BOW) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $33.65, market value $1.1 billion.

## Valuation
- **P/E (trailing): 18.2×** (5-yr avg 22.7×, 3-yr avg 22.7×). Bowhead Specialty Holdings Inc. trades at 18.2× trailing earnings, well below its own five-year average of 22.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 13.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.59**. A PEG of 0.59 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.8×**. Each dollar of revenue is priced at 1.8×.
- **Price / book: 2.3×**. The shares trade at 2.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 29.7%** (5-yr avg 30.7%). Free cash flow equals 29.7% of the market value, in line with its five-year average of 30.7%. Above 5% is generally attractive.
- **Earnings yield: 5.5%**. The inverse of the P/E: 5.5% of the price is earned each year.

## Profitability
- **Net margin: 9.8%**. 9.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.0%**. 12.0% on shareholders' equity is solid.
- **Return on assets: 2.6%**. Each dollar of assets produces 2.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 29.6%** (3-yr 43.3%/yr). Revenue grew 29.6% over the last year.
- **EPS growth (1 yr): 23.3%** (3-yr 50.1%/yr). Earnings per share rose 23.3%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 22.4%/yr**. Free cash flow has compounded at 22.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $194 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Bowhead Specialty Holdings Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (7 analysts). 7 analysts cover Bowhead Specialty Holdings Inc.; the consensus is hold, with an average price target of $34.43 (+2% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 5.0%** (YTD 17.9%, 3-mo 30.7%). The shares are up 5.0% over twelve months including dividends.
- **From 52-week high: -4.0%** (58.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.08** (volatility 38%). Beta of 0.08 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BOW · Page: https://foliofundamentals.com/stocks/bow

Not investment advice.