What is the 13F Pro Quality Score for BOW?

13F Pro ranks Bowhead Specialty Holdings Inc. (BOW) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BOW's current score at https://13fpro.ai/company/BOW (free sign-up required for the full ranking).

Where does 13F Pro source BOW data?

All Bowhead Specialty Holdings Inc. fundamentals and ownership data come directly from SEC EDGAR. Bowhead Specialty Holdings Inc. files with the SEC under CIK 2002473. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BOW in?

Bowhead Specialty Holdings Inc. (BOW) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives BOW's revenue?

Per Bowhead Specialty Holdings Inc.'s latest 10-Q filed with the SEC on 2026-08-03, the biggest revenue drivers are: Net earned premiums ($144.0M, +20.8% YoY); Net investment income ($18.8M, +37.6% YoY); Other insurance-related income ($1.1M, +138.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/BOW.

What are BOW's largest expenses?

Bowhead Specialty Holdings Inc.'s latest 10-Q reports these as the largest expense items: Net losses and loss adjustment expenses ($96.9M, +22.9% YoY); Operating expenses ($26.4M, +2.1% YoY); Net acquisition costs ($15.8M, +43.3% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is BOW research updated on 13F Pro?

BOW's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Bowhead Specialty Holdings Inc.(BOW)Stock Analysis

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13F Pro Quality Score

64.1/100

Rank #578 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

90.1/100

Profitability

63.8/100

Balance Sheet

57.6/100

Earnings Quality

96.7/100

Free Cash Flow

95.9/100

Institutional Flow

34.9/100

Revenue Scale

40.7/100

Dilution Risk

49.6/100

Email me the moment this company reports earnings

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Why BOW Scores 64/100

exact factor attribution · 2026-09-11

BOW's composite is driven by revenue growth and free cash flow, held back by scale and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.7 pts

90th pct

Free cash flow

+6.9 pts

96th pct

Earnings quality

+4.7 pts

97th pct

Profitability

+2.8 pts

64th pct

Earnings growth

+2.5 pts

87th pct

Capital efficiency

+1.0 pts

58th pct

Shareholder dilution

-0.0 pts

50th pct

Institutional flow

-1.0 pts

35th pct

Scale

-1.9 pts

41th pct

Latest change (2026-08-05): 68 → 66 · ↓ Revenue growth 90→79

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

BOW Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Bowhead Specialty Holdings Inc. (BOW), a Financials sector company. 13F Pro's AI-powered ranking engine scores BOW at 64.1/100 on a 32-signal composite quality model, placing it at rank #578 of 2,962 stocks — the top 25% of the AI-ranked universe. BOW scores in the top quartile across earnings quality (96.7), free cash flow (95.9), revenue growth (90.1). Areas of concern include institutional flow (34.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 49.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Bowhead Specialty Holdings Inc. reports quarterly revenue of $163.9M, net income of $16.1M, an operating margin of 12.6%. Top institutional holders of BOW by reported 13-F value include Gallatin Point Capital, American Family Investments, AMERICAN CENTURY COMPANIES, based on the most recent SEC filings. BOW trades on the NYSE exchange and files with the SEC under CIK 2002473. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BOW daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Bowhead Specialty Holdings Inc. directly from SEC EDGAR. Bowhead Specialty Holdings Inc.'s 13F Pro composite quality score has ranged between 61 and 71 since 2025, currently 64.1 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

What's Driving BOW's Business? Latest 10-Q Breakdown

✓ 35/35 datapoints verified

AI-extracted from Bowhead Specialty Holdings Inc.'s 10-Q filed 2026-08-03 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Bowhead grew Q2 2026 revenue 23.0% YoY to $163.9M and net income 30.8% to $16.1M, but on August 2, 2026 agreed to be acquired by strategic partner and ~14.3% shareholder AmFam.

Biggest Revenue Drivers

Net earned premiums$144.0M+20.8% YoY

Earning of increased gross written premiums, led by the Casualty division, partially offset by earning of increased ceded premiums under reinsurance treaties

Net investment income$18.8M+37.6% YoY

Higher average balance of investments during the quarter

Biggest Revenue Drivers

Total revenue: $163.9M+23.0% YoY

Net earned premiums$144.0M+20.8% YoY

Earning of increased gross written premiums, led by the Casualty division, partially offset by earning of increased ceded premiums under reinsurance treaties

Net investment income$18.8M+37.6% YoY

Higher average balance of investments during the quarter

Other insurance-related income$1.1M+138.0% YoY

Fees associated with policy issuance and insurance-related services

Largest Expense Items

Net losses and loss adjustment expenses$96.9M+22.9% YoY

Loss ratio rose to 67.3% from 66.2%, driven by lower ceded loss activity under excess of loss treaties and changes in portfolio mix

Operating expenses$26.4M+2.1% YoY

Continued scaling of the business, with net earned premiums growing faster than expenses, plus prudent management of deferrable costs

Net acquisition costs$15.8M+43.3% YoY

Increase in earned broker commissions from portfolio mix and higher commission rates, and an increase in the Ceding Fee paid to AmFam

Interest expense and financing fees$3.3M+1151.3% YoY

Interest on the $150 million 7.75% Senior Notes issued in November 2025, which were not outstanding in the prior-year quarter

Margins: Combined ratio improved to 95.9% from 96.8%, as a 2.0-point decrease in the expense ratio from scaling benefits more than offset a 1.1-point increase in the loss ratio driven by lower ceded loss activity and portfolio mix.

Watch Items from the Filing

On August 2, 2026, Bowhead entered a definitive merger agreement to be acquired by AmFam, its reinsurance/quota-share partner and ~14.3% shareholder, subject to stockholder and regulatory approval.
Two brokers, AmWINS Group (28.6%) and Ryan Specialty Group (25.4%), together generated over half of gross written premium for the six months ended June 30, 2026.
The three largest reinsurers account for 30.0%, 23.3%, and 16.9% of the reinsurance recoverable balance as of June 30, 2026.
The quota share cession rate to reinsurers increased from 26% to 33.5% effective May 1, 2026, ceding a larger share of premium and future earnings.
Baleen Specialty gross written premiums grew 311.1% YoY to $13.9M in Q2 2026, now 4.7% of total gross written premium.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$163.9M

Net Income

Q2 2026

$16.1M

Free Cash Flow

Q2 2026

$92.5M

Operating Margin

Q2 2026

12.6%

ROIC

Q2 2026

13.4%

D/E Ratio

Q2 2026

0.31

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+29.6% YoY

$551.6MFY 2025

FY22 $187.6MFY23 $283.4MFY24 $425.7MFY25 $551.6M

Net Income

+40.6% YoY

$53.8MFY 2025

FY22 $11.3MFY23 $25.0MFY24 $38.2MFY25 $53.8M

EPS (Diluted)

+23.3% YoY

$1.59FY 2025

FY22 $0.47FY23 $1.04FY24 $1.29FY25 $1.59

Total Assets

+43.4% YoY

$2.37BFY 2025

FY22 —FY23 $1.03BFY24 $1.65BFY25 $2.37B

Total Debt

$146.4MFY 2025

FY22 —FY23 —FY24 $0.00FY25 $146.4M

Op. Cash Flow

+12.7% YoY

$331.6MFY 2025

FY22 $181.6MFY23 $236.2MFY24 $294.3MFY25 $331.6M

Free Cash Flow

+12.0% YoY

$326.0MFY 2025

FY22 $177.7MFY23 $232.4MFY24 $291.2MFY25 $326.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Revenue	$551.6M +29.6%	$425.7M +50.2%	$283.4M +51.1%	$187.6M
Net Income	$53.8M +40.6%	$38.2M +52.7%	$25.0M +122.5%	$11.3M
EPS (Diluted)	$1.59 +23.3%	$1.29 +24.0%	$1.04 +121.3%	$0.47
Total Assets	$2.37B +43.4%	$1.65B +60.9%	$1.03B	—
Total Debt	$146.4M	$0.00	—	—
Operating Cash Flow	$331.6M +12.7%	$294.3M +24.6%	$236.2M +30.0%	$181.6M
Free Cash Flow	$326.0M +12.0%	$291.2M +25.3%	$232.4M +30.8%	$177.7M

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Available Research

13F Pro tracks comprehensive data for Bowhead Specialty Holdings Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BOW

Gallatin Point Capital LLC
$268.4M8,968,445 sh
American Family Investments, Inc.
$140.7M4,700,761 sh
AMERICAN CENTURY COMPANIES INC
$62.3M2,081,072 sh
VICTORY CAPITAL MANAGEMENT INC
$51.8M1,729,490 sh
BlackRock, Inc.
$46.5M1,552,167 sh
Polar Capital Holdings Plc
$44.9M1,500,000 sh
VANGUARD CAPITAL MANAGEMENT LLC
$25.0M834,303 sh
SILVERCREST ASSET MANAGEMENT GROUP LLC
$16.5M551,821 sh
GEODE CAPITAL MANAGEMENT, LLC
$13.6M455,139 sh
MORGAN STANLEY
$13.1M436,205 sh

Fund	Value	Shares
Gallatin Point Capital LLC	$268.4M	8,968,445
American Family Investments, Inc.	$140.7M	4,700,761
AMERICAN CENTURY COMPANIES INC	$62.3M	2,081,072
VICTORY CAPITAL MANAGEMENT INC	$51.8M	1,729,490
BlackRock, Inc.	$46.5M	1,552,167
Polar Capital Holdings Plc	$44.9M	1,500,000
VANGUARD CAPITAL MANAGEMENT LLC	$25.0M	834,303
SILVERCREST ASSET MANAGEMENT GROUP LLC	$16.5M	551,821
GEODE CAPITAL MANAGEMENT, LLC	$13.6M	455,139
MORGAN STANLEY	$13.1M	436,205

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Is BOW a good stock to buy?

13F Pro's AI-powered analysis of Bowhead Specialty Holdings Inc. (BOW) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BOW are available on the BOW stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. BOW is classified as a small company.

Which hedge funds own BOW?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BOW. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Bowhead Specialty Holdings Inc.'s investment landscape.