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Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.
Bowhead Specialty Holdings's Combined Ratio % for the quarter that ended in Jun. 2026 was 95.90%
, which is higher than
95.30% for the pervious quarter ended in Mar. 2026.
Bowhead Specialty Holdings's Combined Ratio % for the annual that ended in Dec. 2025 was 96.50%
, which is higher than
95.80% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Bowhead Specialty Holdings's Combined Ratio % or its related term are showing as below:
BOW's Combined Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Combined Ratio % only.
Bowhead Specialty Holdings (NYSE:BOW) Combined Ratio % Explanation
Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.
Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.
Bowhead Specialty Holdings Combined Ratio % Related Terms
Bowhead Specialty Holdings Combined Ratio % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOW vs HRTG, UVE, ASIC: Combined Ratio % Comparison
For the Insurance - Property & Casualty subindustry, Bowhead Specialty Holdings's Combined Ratio %, along with its competitors' market caps and Combined Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bowhead Specialty Holdings (NYSE:BOW) Combined Ratio % Calculation
Combined Ratio % is calculated as:
Combined Ratio %
=
( Incurred Losses
+
Expenses )
/
Earned Premium
*
100%
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Combined Ratio % of 95.90% mean?
Bowhead Specialty Holdings (BOW) has a Combined Ratio % of 95.90% as of Jun. 2026. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Bowhead Specialty Holdings and its competitors.
Is Bowhead Specialty Holdings' Combined Ratio % too high?
Bowhead Specialty Holdings' current Combined Ratio % is 95.90%. Overall, Bowhead Specialty Holdings has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Bowhead Specialty Holdings' Combined Ratio % compare to HRTG and UVE?
Bowhead Specialty Holdings' Combined Ratio % of 95.90% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on Bowhead Specialty Holdings and its competitors. Bowhead Specialty Holdings's current Combined Ratio % is 95.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bowhead Specialty Holdings stock overvalued right now?
Bowhead Specialty Holdings (BOW) has a current Combined Ratio % of 95.90%. The current Combined Ratio % is 95.90%. Bowhead Specialty Holdings' overall GF Score™ is 18/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For Bowhead Specialty Holdings (BOW), the current Combined Ratio % is 95.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Bowhead Specialty Holdings Inc offers commercial specialty property and casualty insurance products. The company offers underwriting solutions to various businesses across four underwriting divisions, which include Casualty, Professional Liability, Healthcare Liability, and Baleen Specialty. A majority of its revenue is generated from the Casualty division, which specializes in general liability coverage, which protects a company against liability arising from bodily injury, personal injury, or property damage, for risks in the construction, distribution, heavy manufacturing, real estate, public entity, and hospitality segments, and also considers underwriting risks in a broader range of industries. Geographically, the company operates in the United States.
18GF Score
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