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Company Analysis

James River Group Holdings, Ltd JRVR

A comprehensive view of key metrics, scores, and financial health for James River Group Holdings, Ltd

Overview of James River Group Holdings, Ltd.

JRVR NMS
Financial Services Insurance - Specialty Framework: Insurance & Reinsurance Micro Cap
James River Group Holdings, Ltd. (JRVR), is a Micro Cap company, in the Insurance - Specialty industry, last closed at $3.97, about 190.2% undervalued vs fair value, -25.2% 1Y return, ranked 535/1078 in sector.
Metrics P/E 9.7× Rev Growth -2.8% ROE 7.5% Div Yield 3.38%
USD 3.97
2.58%
(Delayed)
• Vol 90d: 37.6%
52-Week Range
Market Cap
$183.60M
Enterprise Value
$450.99M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 88%
Confidence: 93%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.jrvrgroup.com
HQ Chapel Hill, NC
Employees 645
Fiscal year Dec 31

Next Events

Earnings Nov 9 Call: Nov 10

Fair Value Snapshot

Bear Base Bull
$6
$12
$22
Current: $3.97 +190% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$687.6M
-2.8%%
Claims & Losses
-$620.3M
8.3%%
Underwriting Result
-$71.1M
-181.8%%
Net Income
$47.4M
158.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
90.2%
Poor

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$19.8M

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
0/4
Improving
0
High Impact
2
Critical
Locked Leak
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Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating James River Group Holdings, Ltd's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
31
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Improving Expense Discipline Over Time Efficiency trend is positive (score 0.88), suggesting improving operational cost discipline.

Key risks

  • Below-Peer Underwriting Margins Gross margin at 7.1th percentile and operating margin at 29.4th percentile indicate weak underwriting discipline vs peers.
  • Volatile Underwriting Results Underwriting stability is low (score 0.29), indicating significant exposure to loss cycle or catastrophe volatility.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
25
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing JRVR's balance between Growth (38.8%), Profitability (39.7%), and Safety (21.5%). Growth 39% Safety 21% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

34th percentile vs peers
34
Key Signals
Equity Growth YoY 16.8% 64p EPS Growth YoY 1.22 84p Revenue CAGR 3Y 1.3% 20p Rev Growth YoY -2.8% 9p Asset Growth YoY -2.9% 12p
Strengths
  • EPS Growth YoY in top 20% of peers (1.22, 84th percentile)
Risks
  • Rev Growth YoY in bottom 20% of peers (-2.8%)

Profitability

35th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

19th percentile vs peers
19
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for James River Group Holdings, Ltd.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$11.52
- - -
+190.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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