---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-010866"
form_type: "8-K"
ticker: "BOW"
cik: "0002002473"
company_name: "Bowhead Specialty Holdings Inc."
filed_at: "2026-02-24T23:59:59+00:00"
generated_at: "2026-05-16T00:55:32.155145+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bowhead Q4 gross written premiums up 21.3% to $224.1M; FY adjusted EPS $1.65

## Summary
- Q4 net income $14.8M ($0.44 diluted EPS); adjusted net income $15.5M ($0.47 diluted).
- Full-year gross written premiums +24.0% to $862.8M; adjusted net income +30% YoY.
- Expense ratio improved to 29.1% in Q4 (FY: 29.8%) from 31.4% in FY 2024.
- Investment income rose 35.8% in Q4 to $16.6M (FY: +44.1% to $57.8M).
- CEO guides ~20% GWP growth in 2026 led by Casualty; digital platform Baleen generated $21M+ premiums in first full year.

## SEC filing metadata
- accession: 0001628280-26-010866
- form_type: 8-K
- ticker: BOW
- cik: 0002002473
- company_name: Bowhead Specialty Holdings Inc.
- filed_at: 2026-02-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2002473/000162828026010866/0001628280-26-010866-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2002473/000162828026010866/bow-20260224.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-010866
- JSON: https://secwatch.observer/filing/0001628280-26-010866.json
- Plain text: https://secwatch.observer/filing/0001628280-26-010866.txt

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