---
schema_version: "secwatch.filing_event.v1"
accession: "0001519449-26-000005"
form_type: "8-K"
ticker: "SKWD"
cik: "0001519449"
company_name: "Skyward Specialty Insurance Group, Inc."
filed_at: "2026-02-23T23:59:59+00:00"
generated_at: "2026-05-16T01:08:13.406349+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Skyward Specialty Q4 net income $43.2M ($1.03 EPS) vs $14.4M; gross premiums up 13.2%

## Summary
- Net income of $43.2M ($1.03 diluted EPS) vs $14.4M ($0.35) in Q4 2024; full-year net income $170.0M ($4.07) vs $118.8M ($2.87).
- Adjusted operating income $48.9M ($1.17 diluted) vs $33.2M ($0.80) in prior-year quarter.
- Gross written premiums $439.5M, up 13.2% year-over-year.
- Combined ratio of 88.5%; ex-cat combined ratio of 87.7%; full-year ROE of 18.9%.
- Book value per share $24.92, up 26% from December 31, 2024.

## SEC filing metadata
- accession: 0001519449-26-000005
- form_type: 8-K
- ticker: SKWD
- cik: 0001519449
- company_name: Skyward Specialty Insurance Group, Inc.
- filed_at: 2026-02-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1519449/000151944926000005/0001519449-26-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1519449/000151944926000005/skwd-20260223.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001519449-26-000005
- JSON: https://secwatch.observer/filing/0001519449-26-000005.json
- Plain text: https://secwatch.observer/filing/0001519449-26-000005.txt

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