Bowhead Specialty vs Heritage Insurance
BOW and HRTG side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BOW and HRTG compare
Bowhead Specialty and Heritage Insurance are about the same size, with market caps of $1.1B and $1000M.
On earnings, Heritage Insurance is cheaper: it trades at 4.7× trailing earnings, against 18.5× for Bowhead Specialty.
Bowhead Specialty grew revenue faster over the last twelve months (25.0% versus 2.3% for Heritage Insurance).
Heritage Insurance keeps more of each dollar of sales as profit, with a net margin of 25.1% compared with 10.1% at Bowhead Specialty.
Heritage Insurance scores higher on the StockData Score (11 against 6 for Bowhead Specialty), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BOW | HRTG |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $1000M |
| Share price | $34.16 | $33.62 |
| Change, 1 year | 28.8% | 16.3% |
| Change, 5 years | – | 416% |
| Beta (5Y) | 0.33 | 0.72 |
| Employees | 296 | 250 |
| StockData Score | ||
| Total score | 6 | 11 (better) |
| Valuation score | 1 | 5 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 2 | 5 (better) |
| Health score | 0 | 1 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 18.5× | 4.7× (better) |
| P/S | 1.8× | 1.2× (better) |
| P/B | 2.4× | 1.7× (better) |
| EV/EBITDA | 11.1× | 1.6× (better) |
| P/FCF | 3.4× (better) | 5.4× |
| PEG | 0.37 | – |
| FCF yield | 29.2% (better) | 18.5% |
| Fair value | $26.27 | $42.17 |
| Margin of safety | −30.0% | 20.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 25.0% (better) | 2.3% |
| Revenue growth, 5Y average | – | 7.4% |
| Net income growth (TTM) | 25.7% | 44.8% (better) |
| EPS growth (TTM) | 26.7% | 47.2% (better) |
| EPS growth, 5Y average | – | 80.5% |
| Profitability | ||
| Operating margin | – | 34.1% |
| Net margin | 10.1% | 25.1% (better) |
| FCF margin | 53.5% (better) | 21.4% |
| Return on equity | 14.1% | 41.7% (better) |
| Financial health | ||
| Interest coverage | – | 43.7× |
| Altman Z-score | 0.61 | 1.44 (better) |
| Piotroski F-score | 4 | 4 |
| Dividends and buybacks | ||
| Buyback yield | – | 2.6% |
| Shareholder yield | 0.00% | 2.6% (better) |
| Ownership | ||
| Held by institutions | 92.7% | 63.9% |
| Held by insiders | 76.6% | 11.1% |
| Insider net buying, 12 months | – | −$7.5M |
| Short interest, % of float | 19.6% | 2.8% |
Go deeper
- BOW stock overview
- BOW income statement
- BOW valuation and score
- HRTG stock overview
- HRTG income statement
- HRTG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.