Bowhead Specialty HoldingsBOW +0.90%18 Return-on-Tangible-Equity is 14.10% as of Mar. 2026, which is 4% above its 10-year median of 13.55. GuruFocus rates BOW with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 500 Insurance companies, Bowhead Specialty Holdings ranks better than 50.8% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bowhead Specialty Holdings's annualized net income for the quarter that ended in Mar. 2026 was $64.0 Mil. Bowhead Specialty Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $454.2 Mil. Therefore, Bowhead Specialty Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.10%.
The historical rank and industry rank for Bowhead Specialty Holdings's Return-on-Tangible-Equity or its related term are showing as below:
BOW'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 13.12 Med: 13.55 Max: 18.19
Current: 13.65
During the past 4 years, Bowhead Specialty Holdings's highest Return-on-Tangible-Equity was 18.19%. The lowest was 13.12%. And the median was 13.55%.
BOW's Return-on-Tangible-Equity is ranked better than 50.8% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs BOW: 13.65
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bowhead Specialty Holdings Return-on-Tangible-Equity Related Terms
Bowhead Specialty Holdings Return-on-Tangible-Equity 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 ROOT, TRUP, SAFT: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Bowhead Specialty Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Bowhead Specialty Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bowhead Specialty Holdings's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.10% mean?
Bowhead Specialty Holdings (BOW) has a Return-on-Tangible-Equity of 14.10% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bowhead Specialty Holdings and its competitors. This is near median its historical median of 13.55. Over the past decade, Bowhead Specialty Holdings' Return-on-Tangible-Equity has ranged from 13.12 to 18.19. According to the industry distribution chart, Bowhead Specialty Holdings ranks #246 out of 500 companies in the Insurance industry, placing it in the top 49.2%.
Is Bowhead Specialty Holdings' Return-on-Tangible-Equity too high?
Bowhead Specialty Holdings' current Return-on-Tangible-Equity of 14.10% is near median its 10-year median of 13.55. Over the past 10 years, this metric has ranged from a low of 13.12 to a high of 18.19. The Insurance industry median Return-on-Tangible-Equity is 13.52. Bowhead Specialty Holdings' value of 14.10% is 4.3% above this industry median. Based on the distribution chart, Bowhead Specialty Holdings ranks #246 out of 500 companies in the Insurance industry, which is above the industry midpoint. 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' Return-on-Tangible-Equity compare to ROOT and TRUP?
According to the Insurance industry distribution chart, Bowhead Specialty Holdings ranks #246 out of 500 companies for Return-on-Tangible-Equity. This puts Bowhead Specialty Holdings in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Bowhead Specialty Holdings' value of 14.10% is 4.3% above this benchmark. Historically, Bowhead Specialty Holdings' own Return-on-Tangible-Equity has ranged from 13.12 to 18.19 over the past decade. While the company's 10-year median is 13.55 vs. the industry median of 13.52, Bowhead Specialty Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bowhead Specialty Holdings's current Return-on-Tangible-Equity of 14.10% is 4.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bowhead Specialty Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bowhead Specialty Holdings's current Return-on-Tangible-Equity is 14.10%, which is near median its own 10-year median of 13.55. 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 Return-on-Tangible-Equity of 14.10%. The current Return-on-Tangible-Equity is 14.10%, which is near median its 10-year median of 13.55 and 4.3% above the Insurance industry median of 13.52. Bowhead Specialty Holdings' overall GF Score™ is 18/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bowhead Specialty Holdings (BOW), the current Return-on-Tangible-Equity is 14.10% 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
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