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

NASDAQ:JRVR • US46990A1025

6.47 USD
+0.03 (+0.47%)
At close: Mar 6, 2026
6.47 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 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

Taking everything into account, JRVR scores 2 out of 10 in our fundamental rating. JRVR was compared to 149 industry peers in the Insurance industry. JRVR may be in some trouble as it scores bad on both profitability and health. JRVR has a correct valuation and a medium 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.
  • 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.
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

  • JRVR has a worse Return On Assets (-1.71%) than 85.23% of its industry peers.
  • With a Return On Equity value of -13.29%, JRVR is not doing good in the industry: 85.91% of the companies in the same industry are doing better.
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.
  • JRVR's Operating Margin has improved in the last couple of years.
  • The Profit Margin and Operating Margin and Gross Margin are not available for JRVR so they could not be analyzed.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • The number of shares outstanding for JRVR has been increased compared to 5 years ago.
  • Compared to 1 year ago, JRVR has a worse debt to assets ratio.
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.
  • JRVR's Debt to FCF ratio of 31.71 is on the low side compared to the rest of the industry. JRVR is outperformed by 73.15% of its industry peers.
  • JRVR has a Debt/Equity ratio of 0.52. This is a neutral value indicating JRVR is somewhat dependend on debt financing.
  • JRVR's Debt to Equity ratio of 0.52 is on the low side compared to the rest of the industry. JRVR is outperformed by 73.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.52
Debt/FCF 31.71
Altman-Z N/A
ROIC/WACCN/A
WACC7.57%
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.
  • The Earnings Per Share has been growing by 9.19% on average over the past years. This is quite good.
  • JRVR shows a decrease in Revenue. In the last year, the revenue decreased by -2.83%.
  • The Revenue has been growing slightly by 0.56% on average over the past years.
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

  • Based on estimates for the next years, JRVR will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
  • Based on estimates for the next years, JRVR will show a decrease in Revenue. The Revenue will decrease by -1.72% on average per year.
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 6.22, the valuation of JRVR can be described as very cheap.
  • JRVR's Price/Earnings ratio is a bit cheaper when compared to the industry. JRVR is cheaper than 78.52% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of JRVR to the average of the S&P500 Index (26.29), we can say JRVR is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.23 indicates a rather cheap valuation of JRVR.
  • Based on the Price/Forward Earnings ratio, JRVR is valued cheaper than 80.54% of the companies 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 24.57.
Industry RankSector Rank
PE 6.22
Fwd PE 5.23
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

  • Based on the Price/Free Cash Flow ratio, JRVR is valued a bit more expensive than 71.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 28.59
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

  • JRVR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.33
PEG (5Y)0.68
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

  • JRVR has a yearly dividend return of 0.58%, which is pretty low.
  • JRVR's Dividend Yield is slightly below the industry average, which is at 2.68.
  • With a Dividend Yield of 0.58, JRVR pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.58%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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 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 (3/6/2026, 8:00:02 PM)

After market: 6.47 0 (0%)

6.47

+0.03 (+0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-02
Earnings (Next)05-04
Inst Owners62.29%
Inst Owner Change0.12%
Ins Owners1.52%
Ins Owner Change-0.04%
Market Cap297.43M
Revenue(TTM)687.61M
Net Income(TTM)-84.59M
Analysts80
Price Target7.48 (15.61%)
Short Float %3.29%
Short Ratio4.56
Dividend
Industry RankSector Rank
Dividend Yield 0.58%
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)4.76%
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)12.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.54%
Valuation
Industry RankSector Rank
PE 6.22
Fwd PE 5.23
P/S 0.46
P/FCF 28.59
P/OCF 19.22
P/B 0.47
P/tB 0.7
EV/EBITDA N/A
EPS(TTM)1.04
EY16.07%
EPS(NY)1.24
Fwd EY19.13%
FCF(TTM)0.23
FCFY3.5%
OCF(TTM)0.34
OCFY5.2%
SpS14.07
BVpS13.85
TBVpS9.2
PEG (NY)0.33
PEG (5Y)0.68
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
WACC7.57%
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 6.22 and the Price/Book (PB) ratio is 0.47.


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.