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Bowhead Specialty
Bowhead Specialty (BOW) investor relations material
Bowhead Specialty Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Feb, 2026
Executive summary
Achieved disciplined premium growth of 24% for 2025, reaching $862.8M, with all divisions contributing and casualty leading the increase.
Adjusted net income grew over 30% year-over-year to $55.6M, with adjusted ROE of 13.6% and diluted adjusted EPS of $1.65.
Expense ratio improved to 29.8% for the year, below guidance, driven by technology initiatives and business scaling.
Digital underwriting (Baleen and Express) expanded, generating over $21M in premiums in its first full year and supporting efficiency and future growth.
Focus on profitable, growing lines in the E&S market, supported by a strong underwriting culture and strategic partnership with AmFam.
Financial highlights
Gross written premiums (GWP) rose 24% for the year to $862.8M, with Q4 GWP up 21% to $224.1M.
Adjusted net income for 2025 was $55.6M; net income was $53.8M.
Combined ratio for 2025 was 96.5% (loss ratio 66.7%, expense ratio 29.8%).
Pre-tax net investment income increased 44% year-over-year to $57.8M.
Diluted book value per share rose to $13.70 at year-end.
Outlook and guidance
Projected GWP growth of around 20% in 2026, led by casualty and digital underwriting.
2026 loss ratio projected in the mid to high 60s, expense ratio below 30%, and combined ratio in the mid to high 90s.
Return on equity expected in the mid-teens.
Digital expansion expected to drive sustainable, profitable growth across market cycles.
Investment portfolio duration to extend from three to four years, maintaining conservative risk profile.
Digital model profitability?
Impact of limited loss experience on reserves?
Explain American Family ceding fee impact.
Casualty market: How to sustain pricing power?
Digital underwriting: Loss ratio expectations?
Explain the conservative reserving methodology
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Next Bowhead Specialty earnings date
Q1 20265 May, 2026
Bowhead Specialty
Next Bowhead Specialty earnings date
Q1 20265 May, 2026
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Frequently asked questions
Bowhead Specialty Holdings Inc. is a specialty insurance company that provides a range of property and casualty insurance products in the United States. The company's offerings focus on three primary areas: casualty insurance, professional liability insurance, and healthcare insurance. Bowhead underwrites casualty insurance for sectors such as construction, real estate, and hospitality, and provides professional liability solutions for financial institutions and directors and officers, including coverage for cyber risks. In the healthcare sector, Bowhead covers hospitals, senior care providers, and managed care organizations. The company is headquartered in New York, New York, and its shares are listed on the NYSE.
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