Overview Dividends

(JRVR) James River Holdings - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: BMG5005R1079

Insurance, Liability, Property, Fronting

EPS (Earnings per Share)

EPS (Earnings per Share) of JRVR over the last years for every Quarter: "2020-09": 0.56, "2020-12": -0.95, "2021-03": -3.54, "2021-06": 0.54, "2021-09": -0.72, "2021-12": -1.81, "2022-03": 0.37, "2022-06": 0.52, "2022-09": 0.41, "2022-12": 0.53, "2023-03": 0.56, "2023-06": 0.53, "2023-09": 0.48, "2023-12": 0.33, "2024-03": 0.39, "2024-06": 0.33, "2024-09": -0.74, "2024-12": -0.99, "2025-03": 0.18, "2025-06": 0.07, "2025-09": 0.32,
EPS Growth (3y CAGR): -16.76%
EPS Trend (3y Corr): -49.7%
Last SUE: 0.26σ
Qual. Beats: 0

Revenue

Revenue of JRVR over the last years for every Quarter: 2020-09: 177.465, 2020-12: 194.191, 2021-03: 182.98, 2021-06: 191.567, 2021-09: 190.993, 2021-12: 207.34, 2022-03: 201.948, 2022-06: 184.806, 2022-09: 201.229, 2022-12: 225.713, 2023-03: 191.734, 2023-06: 194.782, 2023-09: 210.319, 2023-12: 116.86, 2024-03: 201.127, 2024-06: 188.289, 2024-09: 191.497, 2024-12: 126.713, 2025-03: 172.289, 2025-06: 174.843, 2025-09: 172.735,
Revenue Growth (3y CAGR): -9.27%
Revenue Trend (3y Corr): -37.3%
Last SUE: -0.02σ
Qual. Beats: 0
Risk via 10d forecast
Volatility 50.4%
Value at Risk 5%th 71.6%
Relative Tail Risk -13.68%
Reward TTM
Sharpe Ratio 0.66
Alpha 16.96
Character TTM
Hurst Exponent 0.240
Beta 0.588
Beta Downside 0.360
Drawdowns 3y
Max DD 85.36%
Mean DD 56.51%
Median DD 67.29%

Description: JRVR James River Holdings October 28, 2025

James River Group Holdings, Ltd. (NASDAQ:JRVR) is a Bermuda-based specialty insurer that operates two segments: Excess & Surplus Lines, which underwrites liability and property policies in the U.S. mainland, Puerto Rico and the U.S. Virgin Islands through wholesale brokers; and Specialty Admitted Insurance, which supplies fronting, program administration and managing general agent solutions to other carriers.

Key metrics as of the latest quarter show a combined ratio of 93.4% in the Excess & Surplus Lines segment, indicating underwriting profitability, while the company’s return on equity (ROE) hovered around 12%, above the industry median of ~9%. JRVR’s earnings are sensitive to U.S. natural-catastrophe exposure and to the broader hardening of the property-casualty market, which has been driven by rising reinsurance costs and higher interest-rate environments that improve investment income.

For a deeper quantitative view, the ValueRay platform offers a granular breakdown of JRVR’s risk metrics and peer comparisons, which can help you assess the stock’s relative value.

JRVR Stock Overview

Market Cap in USD 260m
Sub-Industry Property & Casualty Insurance
IPO / Inception 2005-08-09
Return 12m vs S&P 500 12.3%
Analyst Rating 4.25 of 5

JRVR Dividends

Metric Value
Dividend Yield 0.89%
Yield on Cost 5y 0.12%
Yield CAGR 5y -39.57%
Payout Consistency 82.8%
Payout Ratio 80.0%

JRVR Growth Ratios

Metric Value
CAGR 3y -37.48%
CAGR/Max DD Calmar Ratio -0.44
CAGR/Mean DD Pain Ratio -0.66
Current Volume 183.2k
Average Volume 206.2k

Piotroski VR‑10 (Strict, 0-10) 0.0

Net Income (-49.4m TTM) > 0 and > 6% of Revenue (6% = 38.8m TTM)
FCFTA 0.00 (>2.0%) and ΔFCFTA 5.65pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 243.6% (prev 446.7%; Δ -203.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.00 (>3.0%) and CFO 15.5m > Net Income -49.4m (YES >=105%, WARN >=100%)
NO Net Debt/EBITDA fails (EBITDA <= 0)
Current Ratio 8.45 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (46.5m) change vs 12m ago 22.65% (target <= -2.0% for YES)
Gross Margin 15.83% (prev 47.76%; Δ -31.93pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 13.05% (prev 14.07%; Δ -1.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -0.99 (EBITDA TTM -22.6m / Interest Expense TTM 23.3m) >= 6 (WARN >= 3)

Altman Z'' 1.69

(A) 0.32 = (Total Current Assets 1.79b - Total Current Liabilities 211.3m) / Total Assets 4.95b
(B) -0.08 = Retained Earnings (Balance) -394.4m / Total Assets 4.95b
(C) -0.00 = EBIT TTM -23.0m / Avg Total Assets 4.95b
(D) -0.10 = Book Value of Equity -433.4m / Total Liabilities 4.31b
Total Rating: 1.69 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 29.68

1. Piotroski 0.0pt
2. FCF Yield -3.09%
3. FCF Margin 1.61%
4. Debt/Equity 0.52
5. Debt/Ebitda -4.02
6. ROIC - WACC (= -5.95)%
7. RoE -7.99%
8. Rev. Trend -37.27%
9. EPS Trend -49.68%

What is the price of JRVR shares?

As of November 21, 2025, the stock is trading at USD 5.62 with a total of 183,245 shares traded.
Over the past week, the price has changed by +0.54%, over one month by +5.05%, over three months by -4.40% and over the past year by +25.64%.

Is JRVR a buy, sell or hold?

James River Holdings has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy JRVR.
  • Strong Buy: 2
  • Buy: 1
  • Hold: 1
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the JRVR price?

Issuer Target Up/Down from current
Wallstreet Target Price 7.1 26.9%
Analysts Target Price 7.1 26.9%
ValueRay Target Price 4.2 -25.1%

JRVR Fundamental Data Overview November 20, 2025

Market Cap USD = 259.7m (259.7m USD * 1.0 USD.USD)
P/E Forward = 5.0994
P/S = 0.4017
P/B = 0.5161
Beta = 0.035
Revenue TTM = 646.6m USD
EBIT TTM = -23.0m USD
EBITDA TTM = -22.6m USD
Long Term Debt = 329.9m USD (from longTermDebt, last quarter)
Short Term Debt = 3.15m USD (from shortTermDebt, last fiscal year)
Debt = 329.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 91.1m USD (from netDebt column, last quarter)
Enterprise Value = -336.6m USD (259.7m + Debt 329.9m - CCE 926.2m)
Interest Coverage Ratio = -0.99 (Ebit TTM -23.0m / Interest Expense TTM 23.3m)
FCF Yield = -3.09% (FCF TTM 10.4m / Enterprise Value -336.6m)
FCF Margin = 1.61% (FCF TTM 10.4m / Revenue TTM 646.6m)
Net Margin = -7.64% (Net Income TTM -49.4m / Revenue TTM 646.6m)
Gross Margin = 15.83% ((Revenue TTM 646.6m - Cost of Revenue TTM 544.2m) / Revenue TTM)
Gross Margin QoQ = 21.10% (prev 25.34%)
Tobins Q-Ratio = -0.07 (set to none) (Enterprise Value -336.6m / Total Assets 4.95b)
Interest Expense / Debt = 1.89% (Interest Expense 6.22m / Debt 329.9m)
Taxrate = 39.93% (1.06m / 2.65m)
NOPAT = -13.8m (EBIT -23.0m * (1 - 39.93%)) [loss with tax shield]
Current Ratio = 8.45 (Total Current Assets 1.79b / Total Current Liabilities 211.3m)
Debt / Equity = 0.52 (Debt 329.9m / totalStockholderEquity, last quarter 636.8m)
Debt / EBITDA = -4.02 (negative EBITDA) (Net Debt 91.1m / EBITDA -22.6m)
Debt / FCF = 8.76 (Net Debt 91.1m / FCF TTM 10.4m)
Total Stockholder Equity = 618.5m (last 4 quarters mean from totalStockholderEquity)
RoA = -1.00% (Net Income -49.4m / Total Assets 4.95b)
RoE = -7.99% (Net Income TTM -49.4m / Total Stockholder Equity 618.5m)
RoCE = -2.43% (EBIT -23.0m / Capital Employed (Equity 618.5m + L.T.Debt 329.9m))
RoIC = -1.71% (negative operating profit) (NOPAT -13.8m / Invested Capital 809.0m)
WACC = 4.24% (E(259.7m)/V(589.6m) * Re(8.18%) + D(329.9m)/V(589.6m) * Rd(1.89%) * (1-Tc(0.40)))
Discount Rate = 8.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.08%
[DCF Debug] Terminal Value 69.86% ; FCFE base≈10.4m ; Y1≈6.83m ; Y5≈3.12m
Fair Price DCF = 1.31 (DCF Value 60.0m / Shares Outstanding 46.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -49.68 | EPS CAGR: -16.76% | SUE: 0.26 | # QB: 0
Revenue Correlation: -37.27 | Revenue CAGR: -9.27% | SUE: -0.02 | # QB: 0

Additional Sources for JRVR Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle