5.89 USD
0 (0%)
5.89 USD
0 (0%)
JRVR gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. JRVR has a bad profitability rating. Also its financial health evaluation is rather negative. JRVR has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year JRVR has reported negative net income.
In the past year JRVR had a positive cash flow from operations.
In multiple years JRVR reported negative net income over the last 5 years.
In multiple years JRVR reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -1.71%, JRVR is doing worse than 89.12% of the companies in the same industry.
With a Return On Equity value of -13.29%, JRVR is not doing good in the industry: 89.80% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.71% | ||
| ROE | -13.29% | ||
| ROIC | N/A |
ROA(3y)-1.38%
ROA(5y)-1.51%
ROE(3y)-11.37%
ROE(5y)-11.47%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
JRVR does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
JRVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
JRVR has more shares outstanding than it did 1 year ago.
JRVR has more shares outstanding than it did 5 years ago.
The debt/assets ratio for JRVR has been reduced compared to a year ago.
2.2 Solvency
JRVR has a debt to FCF ratio of 31.71. This is a negative value and a sign of low solvency as JRVR would need 31.71 years to pay back of all of its debts.
JRVR has a Debt to FCF ratio of 31.71. This is in the lower half of the industry: JRVR underperforms 73.47% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that JRVR is somewhat dependend on debt financing.
JRVR has a worse Debt to Equity ratio (0.52) than 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 31.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for JRVR have decreased strongly by -180.65% in the last year.
Looking at the last year, JRVR shows a very negative growth in Revenue. The Revenue has decreased by -53.58% in the last year.
JRVR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.85% yearly.
EPS 1Y (TTM)-180.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%143.24%
Revenue 1Y (TTM)-53.58%
Revenue growth 3Y-2.9%
Revenue growth 5Y-4.85%
Sales Q2Q%-9.8%
3.2 Future
JRVR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 51.17% yearly.
The Revenue is expected to grow by 1.12% on average over the next years.
EPS Next Y200.99%
EPS Next 2Y78.72%
EPS Next 3Y51.17%
EPS Next 5YN/A
Revenue Next Year-3.26%
Revenue Next 2Y2.18%
Revenue Next 3Y1.12%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for JRVR. In the last year negative earnings were reported.
JRVR is valuated cheaply with a Price/Forward Earnings ratio of 4.88.
83.67% of the companies in the same industry are more expensive than JRVR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of JRVR to the average of the S&P500 Index (36.59), we can say JRVR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.88 |
4.2 Price Multiples
61.90% of the companies in the same industry are more expensive than JRVR, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, JRVR is valued a bit more expensive than 68.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26 | ||
| EV/EBITDA | 7.82 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
JRVR's earnings are expected to grow with 51.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y78.72%
EPS Next 3Y51.17%
5. Dividend
5.1 Amount
With a yearly dividend of 0.71%, JRVR is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.46, JRVR is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, JRVR's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
5.2 History
The dividend of JRVR decreases each year by -17.79%.
JRVR has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-17.79%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of JRVR are negative and hence is the payout ratio. JRVR will probably not be able to sustain this dividend level.
DP-11.99%
EPS Next 2Y78.72%
EPS Next 3Y51.17%
5.89
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners64.94%
Inst Owner Change-0.64%
Ins Owners2.12%
Ins Owner Change2.34%
Market Cap270.47M
Revenue(TTM)646.58M
Net Income(TTM)-84.59M
Analysts82
Price Target7.27 (23.43%)
Short Float %2.96%
Short Ratio5.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
Yearly Dividend0.46
Dividend Growth(5Y)-17.79%
DP-11.99%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)13.24%
Min EPS beat(2)-2.89%
Max EPS beat(2)29.37%
EPS beat(4)1
Avg EPS beat(4)-30.46%
Min EPS beat(4)-117.72%
Max EPS beat(4)29.37%
EPS beat(8)1
Avg EPS beat(8)-94.14%
EPS beat(12)3
Avg EPS beat(12)-61.9%
EPS beat(16)5
Avg EPS beat(16)-142.79%
Revenue beat(2)0
Avg Revenue beat(2)-4.18%
Min Revenue beat(2)-5.5%
Max Revenue beat(2)-2.86%
Revenue beat(4)0
Avg Revenue beat(4)-8.72%
Min Revenue beat(4)-18.23%
Max Revenue beat(4)-2.86%
Revenue beat(8)3
Avg Revenue beat(8)5.18%
Revenue beat(12)7
Avg Revenue beat(12)4.72%
Revenue beat(16)8
Avg Revenue beat(16)2.77%
PT rev (1m)0.88%
PT rev (3m)0.88%
EPS NQ rev (1m)12.5%
EPS NQ rev (3m)12.5%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-5.72%
Revenue NQ rev (3m)-5.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.88 | ||
| P/S | 0.42 | ||
| P/FCF | 26 | ||
| P/OCF | 17.48 | ||
| P/B | 0.42 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 7.82 |
EPS(TTM)-0.25
EYN/A
EPS(NY)1.21
Fwd EY20.48%
FCF(TTM)0.23
FCFY3.85%
OCF(TTM)0.34
OCFY5.72%
SpS14.08
BVpS13.87
TBVpS9.21
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.71% | ||
| ROE | -13.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 1.61% |
ROA(3y)-1.38%
ROA(5y)-1.51%
ROE(3y)-11.37%
ROE(5y)-11.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 31.71 | ||
| Debt/EBITDA | 7.13 | ||
| Cap/Depr | 7.32% | ||
| Cap/Sales | 0.78% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 33.46% | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC7.44%
ROIC/WACCN/A
Cap/Depr(3y)7.66%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.83%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-180.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%143.24%
EPS Next Y200.99%
EPS Next 2Y78.72%
EPS Next 3Y51.17%
EPS Next 5YN/A
Revenue 1Y (TTM)-53.58%
Revenue growth 3Y-2.9%
Revenue growth 5Y-4.85%
Sales Q2Q%-9.8%
Revenue Next Year-3.26%
Revenue Next 2Y2.18%
Revenue Next 3Y1.12%
Revenue Next 5YN/A
EBIT growth 1Y-117.15%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1978.05%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-92.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-89.85%
OCF growth 3YN/A
OCF growth 5YN/A
JAMES RIVER GROUP HOLDINGS I / JRVR FAQ
What is the fundamental rating for JRVR stock?
ChartMill assigns a fundamental rating of 2 / 10 to JRVR.
What is the valuation status of JAMES RIVER GROUP HOLDINGS I (JRVR) stock?
ChartMill assigns a valuation rating of 5 / 10 to JAMES RIVER GROUP HOLDINGS I (JRVR). This can be considered as Fairly Valued.
How profitable is JAMES RIVER GROUP HOLDINGS I (JRVR) stock?
JAMES RIVER GROUP HOLDINGS I (JRVR) has a profitability rating of 1 / 10.
Is the dividend of JAMES RIVER GROUP HOLDINGS I sustainable?
The dividend rating of JAMES RIVER GROUP HOLDINGS I (JRVR) is 1 / 10 and the dividend payout ratio is -11.99%.