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Bowhead Specialty Holdings Inc. (BOW) vs Root, Inc. (ROOT)

Bowhead Specialty Holdings Inc. and Root, Inc. are both Insurance Property & Casualty companies. Bowhead Specialty Holdings Inc. is the larger, with a market value of $1.1B against $716.7M — 1.6× the size. Root, Inc. trades at the lower P/E: 8.7× against 19.0×. Bowhead Specialty Holdings Inc. grew revenue faster over the last twelve months: 23.8% against 7.89%. Bowhead Specialty Holdings Inc. has the higher net margin (9.32% vs 4.96%) and the higher return on invested capital (16.5% vs 0.00%). Across the 18 metrics below, Root, Inc. leads on 10 and Bowhead Specialty Holdings Inc. on 8.

Valuation

Metric BOW ROOT Insurance Property & Casualty median
P/E 19.04 8.68 11.90
P/S 1.75 0.43 1.24
P/B 2.49 2.04 1.86
Price to free cash flow 2.77 4.00 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.25% 11.52% 8.14%
Free cash flow yield 36.17% 25.02% 11.91%

Profitability

Metric BOW ROOT Insurance Property & Casualty median
Gross margin 29.81% 39.44% 39.44%
Operating margin 13.36% 6.68% 14.71%
Net margin 9.32% 4.96% 10.47%
Free cash flow margin 63.24% 10.79% 18.60%
Return on equity 13.60% 26.15% 16.87%
Return on assets 2.42% 4.67% 3.49%
Return on invested capital 16.51% 0.00% 11.84%

Growth

Metric BOW ROOT Insurance Property & Casualty median
Revenue growth (TTM) 23.83% 7.89% 5.51%
EPS growth (last fiscal year) 23.26% 28.96% 39.61%
Revenue growth, 5-year CAGR — 34.33% 9.23%
Net income growth, 5-year CAGR — 0.00% 10.09%

Health

Metric BOW ROOT Insurance Property & Casualty median
Debt to equity 0.33 0.45 0.25
Current ratio 0.50 1.09 0.49
Net debt to EBITDA (1.19) (6.65) 0.08

Dividend

Metric BOW ROOT Insurance Property & Casualty median
Dividend yield — — 1.59%
Payout ratio — — 0.15

Size

Metric BOW ROOT Insurance Property & Casualty median
Market cap 1.13b 716.74m 2.62b

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