Bowhead Specialty Holdings Inc. — Earnings Quality Grade D
BOW · Financial Services
Significant concerns
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO surged by 47 days (273 → 320)
Small-cap context: DSO swings on a small revenue base are more often quarterly customer-mix effects than red flags.
AR outpaced revenue for 2 consecutive years
Revenue 29.6%, CFFO 12.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 79.0% is >2x revenue growth 29.6%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 6.16. Profits backed by cash
FCF $0.3B, FCF/NI = 6.06
Accruals ratio = -11.7%. Low accruals
Cash $1.0B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Bowhead Specialty Holdings Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25