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JAMES RIVER GROUP HOLDINGS L (JRVR) Stock Fundamental Analysis

NASDAQ:JRVR - Nasdaq - BMG5005R1079 - Common Stock - Currency: USD

5.74  +0.05 (+0.88%)

Fundamental Rating

2

Overall JRVR gets a fundamental rating of 2 out of 10. We evaluated JRVR against 143 industry peers in the Insurance industry. JRVR may be in some trouble as it scores bad on both profitability and health. JRVR has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year JRVR has reported negative net income.
In the past year JRVR has reported a negative cash flow from operations.
In multiple years JRVR reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: JRVR reported negative operating cash flow in multiple years.
JRVR Yearly Net Income VS EBIT VS OCF VS FCFJRVR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

JRVR's Return On Assets of -2.49% is on the low side compared to the rest of the industry. JRVR is outperformed by 88.81% of its industry peers.
Looking at the Return On Equity, with a value of -19.99%, JRVR is doing worse than 89.51% of the companies in the same industry.
Industry RankSector Rank
ROA -2.49%
ROE -19.99%
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
JRVR Yearly ROA, ROE, ROICJRVR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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 RankSector 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
JRVR Yearly Profit, Operating, Gross MarginsJRVR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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1

2. Health

2.1 Basic Checks

JRVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, JRVR has more shares outstanding
Compared to 5 years ago, JRVR has more shares outstanding
JRVR has a better debt/assets ratio than last year.
JRVR Yearly Shares OutstandingJRVR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
JRVR Yearly Total Debt VS Total AssetsJRVR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

JRVR has a Debt/Equity ratio of 0.53. This is a neutral value indicating JRVR is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.53, JRVR is doing worse than 68.53% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.82%
JRVR Yearly LT Debt VS Equity VS FCFJRVR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
JRVR Yearly Current Assets VS Current LiabilitesJRVR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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3

3. Growth

3.1 Past

JRVR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -169.94%.
Looking at the last year, JRVR shows a very negative growth in Revenue. The Revenue has decreased by -53.91% in the last year.
Measured over the past years, JRVR shows a decrease in Revenue. The Revenue has been decreasing by -4.85% on average per year.
EPS 1Y (TTM)-169.94%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-51.28%
Revenue 1Y (TTM)-53.91%
Revenue growth 3Y-2.9%
Revenue growth 5Y-4.85%
Sales Q2Q%-14.34%

3.2 Future

JRVR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.01% yearly.
JRVR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.76% yearly.
EPS Next Y192.75%
EPS Next 2Y77.69%
EPS Next 3Y48.01%
EPS Next 5YN/A
Revenue Next Year-3.49%
Revenue Next 2Y1.53%
Revenue Next 3Y1.76%
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.
JRVR Yearly Revenue VS EstimatesJRVR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
JRVR Yearly EPS VS EstimatesJRVR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 -4

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4. Valuation

4.1 Price/Earnings Ratio

JRVR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 4.91, the valuation of JRVR can be described as very cheap.
Based on the Price/Forward Earnings ratio, JRVR is valued cheaper than 81.12% of the companies in the same industry.
JRVR is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 4.91
JRVR Price Earnings VS Forward Price EarningsJRVR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, JRVR is valued a bit more expensive than the industry average as 70.63% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 63.42
JRVR Per share dataJRVR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

4.3 Compensation for Growth

JRVR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as JRVR's earnings are expected to grow with 48.01% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y77.69%
EPS Next 3Y48.01%

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1

5. Dividend

5.1 Amount

With a yearly dividend of 0.71%, JRVR is not a good candidate for dividend investing.
JRVR's Dividend Yield is slightly below the industry average, which is at 3.38.
With a Dividend Yield of 0.71, JRVR pays less dividend than the S&P500 average, which is at 2.36.
Industry RankSector 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
JRVR Yearly Dividends per shareJRVR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

JRVR has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-13.72%
EPS Next 2Y77.69%
EPS Next 3Y48.01%
JRVR Yearly Income VS Free CF VS DividendJRVR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

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JAMES RIVER GROUP HOLDINGS L

NASDAQ:JRVR (7/25/2025, 3:26:14 PM)

5.74

+0.05 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-05 2025-05-05/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners75.36%
Inst Owner Change-0.05%
Ins Owners2.07%
Ins Owner Change23.8%
Market Cap263.41M
Analysts80
Price Target6.95 (21.08%)
Short Float %4.34%
Short Ratio6.22
Dividend
Industry RankSector Rank
Dividend Yield 0.71%
Yearly Dividend0.46
Dividend Growth(5Y)-17.79%
DP-13.72%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-09 2025-06-09 (0.01)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-74.16%
Min EPS beat(2)-117.72%
Max EPS beat(2)-30.6%
EPS beat(4)0
Avg EPS beat(4)-185.83%
Min EPS beat(4)-572.63%
Max EPS beat(4)-22.35%
EPS beat(8)1
Avg EPS beat(8)-97.39%
EPS beat(12)3
Avg EPS beat(12)-64.35%
EPS beat(16)5
Avg EPS beat(16)-145.89%
Revenue beat(2)0
Avg Revenue beat(2)-13.25%
Min Revenue beat(2)-18.23%
Max Revenue beat(2)-8.27%
Revenue beat(4)1
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-18.23%
Max Revenue beat(4)28.1%
Revenue beat(8)5
Avg Revenue beat(8)6.88%
Revenue beat(12)7
Avg Revenue beat(12)4.28%
Revenue beat(16)8
Avg Revenue beat(16)3.02%
PT rev (1m)0%
PT rev (3m)-0.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-18.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.85%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.91
P/S 0.39
P/FCF N/A
P/OCF N/A
P/B 0.43
P/tB 0.65
EV/EBITDA 63.42
EPS(TTM)-1.21
EYN/A
EPS(NY)1.17
Fwd EY20.36%
FCF(TTM)-7.15
FCFYN/A
OCF(TTM)-7.03
OCFYN/A
SpS14.79
BVpS13.46
TBVpS8.79
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.49%
ROE -19.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg 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-Score0
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF N/A
Debt/EBITDA 67.15
Cap/Depr 7.74%
Cap/Sales 0.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score0
WACC7.82%
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)-169.94%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-51.28%
EPS Next Y192.75%
EPS Next 2Y77.69%
EPS Next 3Y48.01%
EPS Next 5YN/A
Revenue 1Y (TTM)-53.91%
Revenue growth 3Y-2.9%
Revenue growth 5Y-4.85%
Sales Q2Q%-14.34%
Revenue Next Year-3.49%
Revenue Next 2Y1.53%
Revenue Next 3Y1.76%
Revenue Next 5YN/A
EBIT growth 1Y-129.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1931.71%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-294.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-282.48%
OCF growth 3YN/A
OCF growth 5YN/A