---
schema_version: "secwatch.filing_event.v1"
accession: "0001519449-23-000034"
form_type: "8-K"
ticker: "SKWD"
cik: "0001519449"
company_name: "Skyward Specialty Insurance Group, Inc."
filed_at: "2023-11-06T23:59:59+00:00"
generated_at: "2026-06-08T19:50:13.941879+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Skyward Specialty Q3 net income $21.7M vs loss; combined ratio improves to 90.2%

## Summary
- Net income $21.7M ($0.57 diluted EPS) vs net loss $2.4M ($0.15 loss) in Q3 2022.
- Adjusted operating income $25.0M ($0.65 diluted) vs $10.7M ($0.33) YoY.
- Gross written premiums +31.6%; combined ratio 90.2% vs 99.8% last year.
- Underwriting income $22.3M vs $0.3M; cat loss ratio improved to 0.4% from 2.8%.
- Annualized ROE 16.4% vs (2.3)%; annualized ROTE 19.7% vs (3.0)%.

## SEC filing metadata
- accession: 0001519449-23-000034
- form_type: 8-K
- ticker: SKWD
- cik: 0001519449
- company_name: Skyward Specialty Insurance Group, Inc.
- filed_at: 2023-11-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1519449/000151944923000034/0001519449-23-000034-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1519449/000151944923000034/skwd-20231106.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001519449-23-000034
- JSON: https://secwatch.observer/filing/0001519449-23-000034.json
- Plain text: https://secwatch.observer/filing/0001519449-23-000034.txt

## Key facts
- Earnings Releases
  Skyward Specialty Insurance Group, Inc. reported third quarter 2023 results: net income $21.7 million, EPS $0.57 per diluted share.
  - Period: third quarter 2023
  - Net income: $21.7 million
  - EPS: $0.57 per diluted share
  - Result: reported results
  source text: Skyward Specialty Insurance Group, Inc. (Nasdaq: SKWD) (“Skyward Specialty” or the “Company”) today reported third quarter 2023 net income of $21.7 million, or $0.57 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1519449/000151944923000034/0001519449-23-000034-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.