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Bowhead Specialty Holdings (BOW) investor relations material
Bowhead Specialty Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Achieved strong top and bottom line growth in Q3 2025, with gross written premiums up 17.5% year over year to $231.5 million and adjusted net income up 25.5%.
Diluted adjusted EPS rose 23.7% to $0.47, with return on equity at 14.5% and adjusted ROE at 15.1%.
Focused on profitable, growing lines in the E&S market, supported by disciplined underwriting and operational excellence.
Strategic partnership with AmFam provides operational control and access to 'A' rated paper and significant policyholder surplus.
Technology initiatives and automation are driving scalable, profitable growth and improved efficiency.
Financial highlights
Gross written premiums reached $232 million in Q3 and $823 million LTM Q3'25, with a 42% CAGR since 2021.
Adjusted net income was $15.8 million for Q3 and $42.7 million for 2024.
Net investment income increased 31% year over year to $15 million, with a book yield of 4.8% and average rating "AA".
Diluted book value per share rose to $12.75, with book value per share at $13.15 at quarter-end.
Combined ratio was 95.4% for Q3 and 95.6% for LTM Q3'25.
Outlook and guidance
Expect continued growth in E&S casualty premiums as complex risks shift to the E&S market.
Well-positioned for continued growth, leveraging both “craft” and “flow” underwriting strategies.
No plans to raise equity; capital needs for growth in 2025 will be met through debt or other non-equity sources.
Technology will enable further scaling without significant headcount increases.
Commitment to long-term value creation and robust growth in attractive E&S lines.
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Next Bowhead Specialty Holdings earnings date
Q4 202527 Feb, 2026
Next Bowhead Specialty Holdings earnings date
Q4 202527 Feb, 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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