Stocks · Financial Services · Insurance - Property & Casualty
Bowhead Specialty Holdings Inc. BOW
$33.77 -0.09% Close, Oct 2, 2026 · NYSE · Market cap $1.11B
High qualityStrong trendInexpensive vs sector
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 10 quarters (average surprise over the last four: +9.7%).
- The stock is in an uptrend: above its 200-day average for 81 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $614.3M, up 24.9% from a year earlier, slowing from 27.5% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 17%
- EPS growth (TTM, YoY)Top 42%
- FCF growth (TTM, YoY)Bottom 31%
- Revenue growth, 3-year CAGRTop 8%
- Revenue growth accelerationBottom 33%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 37%
- Gross marginBottom 14%
- Operating marginBottom 27%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 10%
- Net debt / EBITDA (lower is better)Top 12%
- Interest coverTop 9%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 44%
- Free-cash-flow yieldTop 9%
- EBITDA / enterprise valueTop 32%
- Sales / enterprise valueTop 19%
- P/E vs own 5-year history (lower is better)Top 34%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 18%
- 6-month returnTop 3%
- 1-year return vs S&P 500Top 16%
- Distance from 52-week highTop 18%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 28%
- Consecutive EPS beatsTop 9%
- Share of analysts rating BuyBottom 44%
- Upside to consensus price targetBottom 8%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 29%
- Maximum drawdown, 3 yearsBottom 17%
- Beta vs S&P 500 (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 12%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 27.5% | 24.9% | ↓ |
| EPS growth (YoY) | 32.1% | 25.9% | ↓ |
| Gross margin | 33.7% | 36.5% | ↑ |
| Operating margin | 13.1% | 12.7% | ↓ |
| FCF margin | 67.7% | 53.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 24.9% | 27.5% | ↓ | Top 17% |
| EPS growth (TTM, YoY) | 25.9% | 32.1% | ↓ | Top 42% |
| Gross margin | 36.5% | 33.7% | ↑ | Bottom 14% |
| Operating margin | 12.7% | 13.1% | ↓ | Bottom 27% |
| Net margin | 10.1% | 10.1% | ↑ | — |
| Free-cash-flow margin | 53.2% | 67.7% | ↓ | — |
| Return on invested capital | 3.5% | — | Top 37% | |
| Revenue growth, 3-year CAGR | 43.3% | — | Top 8% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -10.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -124.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.84×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 16.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- -1.4%
- Share count change, 3-year CAGR
- +2.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 3, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 10
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +9.7%
- Average 2-day reaction, last 8
- +2.9%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $32.80
- Target vs current price
- -2.9%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 43%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 3, 2026 | +2.5% | +10.1% | +9.3% | +9.8% | — |
| May 5, 2026 | +14.3% | +7.4% | +19.7% | +10.4% | +30.8% |
| Feb 24, 2026 | +4.4% | -1.7% | +3.1% | -10.3% | +15.9% |
| Nov 4, 2025 | +17.5% | +4.5% | +8.9% | +9.9% | +0.9% |
| Aug 5, 2025 | +2.8% | -3.9% | -2.5% | -3.3% | -25.9% |
| May 6, 2025 | +3.0% | -0.8% | -6.5% | -9.3% | -21.3% |
| Feb 25, 2025 | +20.0% | +6.9% | +9.9% | +24.8% | +22.7% |
| Nov 5, 2024 | +2.7% | +0.4% | +12.0% | +20.7% | +9.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 3, 2026 | $0.48 | $0.47 | +2.5% | $297.9M |
| May 5, 2026 | $0.48 | $0.42 | +14.3% | $216.7M |
| Feb 24, 2026 | $0.47 | $0.45 | +4.4% | $224.1M |
| Nov 4, 2025 | $0.47 | $0.40 | +17.5% | $143.9M |
| Aug 5, 2025 | $0.37 | $0.36 | +2.8% | $133.3M |
| May 6, 2025 | $0.34 | $0.33 | +3.0% | $122.7M |
| Feb 25, 2025 | $0.42 | $0.35 | +20.0% | $119.4M |
| Nov 5, 2024 | $0.38 | $0.37 | +2.7% | $116.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 18.3× | 27.6× | 36th | Bottom 44% |
| P/E (forward) | 16.8× | — | — | — |
| EV / EBITDA | 10.5× | — | — | Top 32% |
| EV / Sales | 1.54× | — | — | Top 19% |
| Free-cash-flow yield | 29.48% | — | — | Top 9% |
| Earnings yield | 5.48% | — | — | Bottom 44% |
P/E over the past five years
Range 14.4× – 32.0× since Dec 31, 2023. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +35.1%
- Earnings per share growth (TTM)
- +25.9%
- Change in P/E multiple
- -14.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 83
- Days above the 200-day average
- 81
- 50-day average slope (20 days)
- +3.9%
- 200-day average slope (20 days)
- +2.5%
- Distance from 50-day average
- +1.2%
- Distance from 200-day average
- +21.3%
- RSI (14)
- 59.2
- Relative volume
- 0.92×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 29.5%
- Volatility vs own 5-year history
- 11th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.48
- Correlation with S&P 500
- 0.21
- Current drawdown from 1-year high
- -0.3%
- Maximum drawdown, 3 years
- -49.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 28, 2025 | Mar 19, 2026 | -49.1% | 244 days | Not yet recovered |
| Dec 5, 2024 | Feb 21, 2025 | -18.0% | 51 days | 19 days (Mar 20, 2025) |
| Sep 4, 2024 | Sep 27, 2024 | -12.1% | 17 days | 14 days (Oct 17, 2024) |
| May 31, 2024 | Jun 26, 2024 | -10.0% | 17 days | 12 days (Jul 15, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.11B
- P/E (TTM)
- 18.3
- EPS, diluted (TTM)
- $1.85
- Revenue (TTM)
- $614.3M
- 52-week range
- $21.21 – $35.07
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Revenue | $187.6M | $283.4M | $425.6M | $551.5M |
| Gross profit | $60.6M | $96.2M | $145.1M | $177.0M |
| Operating income | $14.7M | $32.1M | $50.5M | $67.3M |
| Net income | $11.3M | $25.0M | $38.2M | $53.8M |
| EPS (diluted) | $0.36 | $0.79 | $1.29 | $1.59 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $116.7M | $119.3M | $122.8M | $133.2M | $143.9M | $151.7M | $154.8M | $163.9M |
| Net income | $12.1M | $13.6M | $11.4M | $12.3M | $15.2M | $14.8M | $16.0M | $16.1M |
| EPS (diluted) | $0.36 | $0.41 | $0.34 | $0.36 | $0.45 | $0.44 | $0.48 | $0.48 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Operating cash flow | $181.6M | $236.2M | $294.3M | $331.6M |
| Capital expenditure | -$4.0M | -$3.8M | -$3.1M | -$5.6M |
| Free cash flow | $177.7M | $232.4M | $291.2M | $326.0M |
| Dividends paid | -$25.0M | $0 | $0 | $0 |
| Net share buybacks | -$1.0M | $77.7M | $133.8M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.75B
- Total assets
- $2.68B
- Total liabilities
- $2.21B
- Total debt
- $0
- Net debt
- -$164.8M
- Shareholders’ equity
- $472.4M
As of Jun 30, 2026 (filed Aug 3, 2026).
Short interest
- Shares sold short
- 601,629
- Days to cover
- 1.68
- Change vs previous report
- +9.8%
FINRA short interest, settlement date Sep 15, 2026.