JAMES RIVER GROUP HOLDINGS I (JRVR) Fundamental Analysis & Valuation

NASDAQ:JRVR • US46990A1025

6.37 USD
-0.1 (-1.55%)
At close: Mar 9, 2026
6.37 USD
0 (0%)
After Hours: 3/9/2026, 8:16:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This JRVR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Overall JRVR gets a fundamental rating of 2 out of 10. We evaluated JRVR against 149 industry peers in the Insurance industry. Both the profitability and financial health of JRVR have multiple concerns. JRVR is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. JRVR Profitability Analysis

1.1 Basic Checks

  • In the past year JRVR was profitable.
  • JRVR had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: JRVR reported negative net income in multiple years.
  • In multiple years JRVR reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

1.2 Ratios

  • The Return On Assets of JRVR (-1.71%) is worse than 84.56% of its industry peers.
  • The Return On Equity of JRVR (-13.29%) is worse than 85.23% of its industry peers.
Industry RankSector Rank
ROA -1.71%
ROE -13.29%
ROIC N/A
ROA(3y)-1.26%
ROA(5y)-1.37%
ROE(3y)-10.47%
ROE(5y)-10.41%
ROIC(3y)N/A
ROIC(5y)N/A
JRVR Yearly ROA, ROE, ROICJRVR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • In the last couple of years the Profit Margin of JRVR has grown nicely.
  • In the last couple of years the Operating Margin of JRVR has grown nicely.
  • 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 3Y9.37%
OM growth 5Y26.78%
PM growth 3Y28.23%
PM growth 5Y51.62%
GM growth 3YN/A
GM growth 5YN/A
JRVR Yearly Profit, Operating, Gross MarginsJRVR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

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0

2. JRVR Health Analysis

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
  • The debt/assets ratio for JRVR is higher compared to a year ago.
JRVR Yearly Shares OutstandingJRVR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
JRVR Yearly Total Debt VS Total AssetsJRVR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of JRVR is 31.71, which is on the high side as it means it would take JRVR, 31.71 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 31.71, JRVR is doing worse than 73.15% of the companies in the same industry.
  • A Debt/Equity ratio of 0.52 indicates that JRVR is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.52, JRVR is not doing good in the industry: 73.15% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF 31.71
Altman-Z N/A
ROIC/WACCN/A
WACC7.56%
JRVR Yearly LT Debt VS Equity VS FCFJRVR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. JRVR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 202.97% over the past year.
  • JRVR shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.19% yearly.
  • The Revenue has decreased by -2.83% in the past year.
  • JRVR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.56% yearly.
EPS 1Y (TTM)202.97%
EPS 3Y-17.17%
EPS 5Y9.19%
EPS Q2Q%130.3%
Revenue 1Y (TTM)-2.83%
Revenue growth 3Y-5.46%
Revenue growth 5Y0.56%
Sales Q2Q%32.39%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.03% on average over the next years. This is quite good.
  • The Revenue is expected to decrease by -1.72% on average over the next years.
EPS Next Y19%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.97%
Revenue Next 2Y-1.72%
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 stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
JRVR Yearly Revenue VS EstimatesJRVR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 -4

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6

4. JRVR Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.13, the valuation of JRVR can be described as very cheap.
  • Based on the Price/Earnings ratio, JRVR is valued a bit cheaper than 78.52% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.46. JRVR is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 5.15 indicates a rather cheap valuation of JRVR.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of JRVR indicates a rather cheap valuation: JRVR is cheaper than 81.21% of the companies listed in the same industry.
  • JRVR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.65.
Industry RankSector Rank
PE 6.13
Fwd PE 5.15
JRVR Price Earnings VS Forward Price EarningsJRVR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • JRVR's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. JRVR is more expensive than 71.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 28.15
EV/EBITDA N/A
JRVR Per share dataJRVR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

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.
PEG (NY)0.32
PEG (5Y)0.67
EPS Next 2Y8.03%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. JRVR Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.62%, JRVR is not a good candidate for dividend investing.
  • JRVR's Dividend Yield is slightly below the industry average, which is at 2.89.
  • With a Dividend Yield of 0.62, JRVR pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.62%

5.2 History

  • The dividend of JRVR decreases each year by -17.79%.
  • JRVR has paid a dividend for at least 10 years, which is 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 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-11.99%
EPS Next 2Y8.03%
EPS Next 3YN/A
JRVR Yearly Income VS Free CF VS DividendJRVR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

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JRVR Fundamentals: All Metrics, Ratios and Statistics

JAMES RIVER GROUP HOLDINGS I

NASDAQ:JRVR (3/9/2026, 8:16:19 PM)

After market: 6.37 0 (0%)

6.37

-0.1 (-1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-02
Earnings (Next)05-04
Inst Owners62.69%
Inst Owner Change0.12%
Ins Owners1.52%
Ins Owner Change13.39%
Market Cap292.83M
Revenue(TTM)687.61M
Net Income(TTM)-84.59M
Analysts80
Price Target7.48 (17.43%)
Short Float %3.29%
Short Ratio4.56
Dividend
Industry RankSector Rank
Dividend Yield 0.62%
Yearly Dividend0.46
Dividend Growth(5Y)-17.79%
DP-11.99%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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%
PT rev (3m)2.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.67%
EPS NY rev (1m)0%
EPS NY rev (3m)1.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.86%
Valuation
Industry RankSector Rank
PE 6.13
Fwd PE 5.15
P/S 0.45
P/FCF 28.15
P/OCF 18.92
P/B 0.46
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)1.04
EY16.33%
EPS(NY)1.24
Fwd EY19.43%
FCF(TTM)0.23
FCFY3.55%
OCF(TTM)0.34
OCFY5.28%
SpS14.07
BVpS13.85
TBVpS9.2
PEG (NY)0.32
PEG (5Y)0.67
Graham Number18
Profitability
Industry RankSector 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)-1.26%
ROA(5y)-1.37%
ROE(3y)-10.47%
ROE(5y)-10.41%
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 3Y9.37%
OM growth 5Y26.78%
PM growth 3Y28.23%
PM growth 5Y51.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF 31.71
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.78%
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-Score4
WACC7.56%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)202.97%
EPS 3Y-17.17%
EPS 5Y9.19%
EPS Q2Q%130.3%
EPS Next Y19%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.83%
Revenue growth 3Y-5.46%
Revenue growth 5Y0.56%
Sales Q2Q%32.39%
Revenue Next Year-0.97%
Revenue Next 2Y-1.72%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-117.15%
EBIT growth 3Y3.41%
EBIT growth 5Y27.48%
EBIT Next Year43.41%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y103.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y105.85%
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.


Can you provide the valuation status for JAMES RIVER GROUP HOLDINGS I?

ChartMill assigns a valuation rating of 6 / 10 to JAMES RIVER GROUP HOLDINGS I (JRVR). This can be considered as Fairly Valued.


What is the profitability of JRVR stock?

JAMES RIVER GROUP HOLDINGS I (JRVR) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for JRVR stock?

The Price/Earnings (PE) ratio for JAMES RIVER GROUP HOLDINGS I (JRVR) is 6.13 and the Price/Book (PB) ratio is 0.46.


What is the earnings growth outlook for JAMES RIVER GROUP HOLDINGS I?

The Earnings per Share (EPS) of JAMES RIVER GROUP HOLDINGS I (JRVR) is expected to grow by 19% in the next year.