JAMES RIVER GROUP HOLDINGS L (JRVR)
BMG5005R1079 - Common Stock
Taking everything into account, JRVR scores 3 out of 10 in our fundamental rating. JRVR was compared to 141 industry peers in the Insurance industry. JRVR has a bad profitability rating. Also its financial health evaluation is rather negative. JRVR is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year JRVR was profitable.
JRVR had a positive operating cash flow in the past year.
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
JRVR has a Return On Assets of -1.57%. This is amonst the worse of the industry: JRVR underperforms 82.14% of its industry peers.
The Return On Equity of JRVR (-12.30%) is worse than 79.29% of its industry peers.
The Return On Invested Capital of JRVR (2.47%) is better than 61.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.57% | ||
| ROE | -12.3% | ||
| ROIC | 2.47% |
ROA(3y)-1.76%
ROA(5y)-0.89%
ROE(3y)-12.68%
ROE(5y)-6.5%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
JRVR's Operating Margin of 12.97% is fine compared to the rest of the industry. JRVR outperforms 61.43% of its industry peers.
JRVR's Operating Margin has improved in the last couple of years.
The Profit Margin and Gross Margin are not available for JRVR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.97% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y62.22%
OM growth 5Y8.58%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), JRVR is destroying value.
The number of shares outstanding for JRVR has been increased compared to 1 year ago.
Compared to 5 years ago, JRVR has more shares outstanding
JRVR has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of JRVR is 4.00, which is a neutral value as it means it would take JRVR, 4.00 years of fcf income to pay off all of its debts.
JRVR has a worse Debt to FCF ratio (4.00) than 60.71% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that JRVR is not too dependend on debt financing.
JRVR has a Debt to Equity ratio (0.48) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4 | ||
| Altman-Z | N/A |
ROIC/WACC0.32
WACC7.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
JRVR shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.83%.
The Earnings Per Share has been decreasing by -4.00% on average over the past years.
The Revenue has grown by 85.24% in the past year. This is a very strong growth!
JRVR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.72% yearly.
EPS 1Y (TTM)3.83%
EPS 3Y41.54%
EPS 5Y-4%
EPS growth Q2Q-37.74%
Revenue 1Y (TTM)85.24%
Revenue growth 3Y6.69%
Revenue growth 5Y-1.72%
Revenue growth Q2Q259.77%
3.2 Future
JRVR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.70% yearly.
Based on estimates for the next years, JRVR will show a decrease in Revenue. The Revenue will decrease by -0.56% on average per year.
EPS Next Y-2.11%
EPS Next 2Y1.13%
EPS Next 3Y5.7%
EPS Next 5YN/A
Revenue Next Year-7.36%
Revenue Next 2Y-0.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 4.64, the valuation of JRVR can be described as very cheap.
80.00% of the companies in the same industry are more expensive than JRVR, based on the Price/Earnings ratio.
JRVR is valuated cheaply when we compare the Price/Earnings ratio to 28.28, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 4.74, which indicates a rather cheap valuation of JRVR.
JRVR's Price/Forward Earnings ratio is rather cheap when compared to the industry. JRVR is cheaper than 82.86% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of JRVR to the average of the S&P500 Index (20.88), we can say JRVR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.64 | ||
| Fwd PE | 4.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of JRVR indicates a rather cheap valuation: JRVR is cheaper than 97.14% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, JRVR is valued a bit cheaper than 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.07 | ||
| EV/EBITDA | 1.32 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.13%
EPS Next 3Y5.7%
5. Dividend
5.1 Amount
JRVR has a Yearly Dividend Yield of 2.26%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.26, JRVR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, JRVR has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.26% |
5.2 History
The dividend of JRVR decreases each year by -16.68%.
JRVR has paid a dividend for at least 10 years, which is a reliable track record.
JRVR has decreased its dividend recently.
Dividend Growth(5Y)-16.68%
Div Incr Years0
Div Non Decr Years1
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-21.83%
EPS Next 2Y1.13%
EPS Next 3Y5.7%
JAMES RIVER GROUP HOLDINGS L
NASDAQ:JRVR (5/3/2024, 7:01:41 PM)
After market: 8.82 0 (0%)8.82
-0.04 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap332.16M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.26% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.64 | ||
| Fwd PE | 4.74 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.57% | ||
| ROE | -12.3% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 12.97% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)3.83%
EPS 3Y41.54%
EPS 5Y
EPS growth Q2Q
EPS Next Y-2.11%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)85.24%
Revenue growth 3Y6.69%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
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OCF growth 5Y