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Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It indicates the efficiency of the insurance company before considering its claims and investment gains or losses.
Bowhead Specialty Holdings's Expense Ratio % for the quarter that ended in Mar. 2026 was 28.40%
, which is lower than
29.10% for the pervious quarter ended in Dec. 2025.
Bowhead Specialty Holdings's Expense Ratio % for the annual that ended in Dec. 2025 was 29.80%
, which is lower than
31.40% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Bowhead Specialty Holdings's Expense Ratio % or its related term are showing as below:
BOW's Expense Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Expense Ratio % only.
Bowhead Specialty Holdings (NYSE:BOW) Expense Ratio % Explanation
Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It can be used to make comparisons between insurance companies as well as measure their performance. An expense ratio below 100% suggests that the premiums an insurance company earned or wrote are more than the expenses it paid to support those premiums.
However, we should keep in mind that the ratio does not indicate an ending profitability. The overall profit is also influenced by the claims, investment gains or losses and other income. The ratio can be combined with Claims Ratio % and Combined Ratio % to get an overall performance of an insurance company.
Bowhead Specialty Holdings Expense Ratio % Related Terms
Bowhead Specialty Holdings Expense 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 TRUP, ROOT, ASIC: Expense Ratio % Comparison
For the Insurance - Property & Casualty subindustry, Bowhead Specialty Holdings's Expense Ratio %, along with its competitors' market caps and Expense 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) Expense Ratio % Calculation
Expense Ratio % is calculated as:
Expense Ratio %
=
Expenses of Acquiring, Underwriting and Servicing Premiums
/
Net Premium Earned
*
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 Expense Ratio % of 28.40% mean?
Bowhead Specialty Holdings (BOW) has a Expense Ratio % of 28.40% as of Mar. 2026. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on Bowhead Specialty Holdings and its competitors.
Is Bowhead Specialty Holdings' Expense Ratio % too high?
Bowhead Specialty Holdings' current Expense Ratio % is 28.40%. 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' Expense Ratio % compare to TRUP and ROOT?
Bowhead Specialty Holdings' Expense Ratio % of 28.40% 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 Expense Ratio % for an Insurance company?
A good Expense Ratio % depends on the Insurance industry context. However, Expense 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 Expense Ratio % mean?
A high Expense Ratio % can signal that a stock is expensive relative to its fundamentals. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on Bowhead Specialty Holdings and its competitors. Bowhead Specialty Holdings's current Expense Ratio % is 28.40%. 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 Expense Ratio % of 28.40%. The current Expense Ratio % is 28.40%. Bowhead Specialty Holdings' overall GF Score™ is 18/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Expense Ratio % calculated?
Expense Ratio % is calculated from a company's financial statements. For Bowhead Specialty Holdings (BOW), the current Expense Ratio % is 28.40% as of Mar. 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
Get the complete analysis for BOW
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