6.69 USD
+0.11 (+1.67%)
JRVR gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 148 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- JRVR had negative earnings in the past year.
- 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.
- The reported operating cash flow has been mixed in the past 5 years: JRVR reported negative operating cash flow in multiple years.
1.2 Ratios
- With a Return On Assets value of -1.71%, JRVR is not doing good in the industry: 85.81% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of -13.29%, JRVR is doing worse than 86.49% of the companies in the same industry.
| 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
- The Profit Margin and Operating Margin and Gross Margin are not available for JRVR so they could not be analyzed.
| 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.
- 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
- Compared to 1 year ago, JRVR has an improved debt to assets ratio.
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.
- With a Debt to FCF ratio value of 31.71, JRVR is not doing good in the industry: 72.97% of the companies in the same industry are doing better.
- JRVR has a Debt/Equity ratio of 0.52. This is a neutral value indicating JRVR is somewhat dependend on debt financing.
- The Debt to Equity ratio of JRVR (0.52) is worse than 72.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 31.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.8%
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.
- The Revenue for JRVR has decreased by -53.58% in the past year. This is quite bad
- 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)-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 47.39% yearly.
- JRVR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.07% yearly.
EPS Next Y213.87%
EPS Next 2Y79.59%
EPS Next 3Y47.39%
EPS Next 5YN/A
Revenue Next Year-5.72%
Revenue Next 2Y-3.37%
Revenue Next 3Y-3.07%
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 5.41.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of JRVR indicates a rather cheap valuation: JRVR is cheaper than 81.08% of the companies listed in the same industry.
- JRVR is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.95, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.41 |
4.2 Price Multiples
- JRVR's Enterprise Value to EBITDA ratio is in line with the industry average.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of JRVR indicates a slightly more expensive valuation: JRVR is more expensive than 70.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.57 | ||
| EV/EBITDA | 8.51 |
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 47.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y79.59%
EPS Next 3Y47.39%
5. Dividend
5.1 Amount
- JRVR has a yearly dividend return of 0.59%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.41, JRVR is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, JRVR's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.59% |
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
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 2Y79.59%
EPS Next 3Y47.39%
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 5 / 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 1 / 10.
Can you provide the expected EPS growth for JRVR stock?
The Earnings per Share (EPS) of JAMES RIVER GROUP HOLDINGS I (JRVR) is expected to grow by 213.87% in the next year.