(JRVR) James River Holdings - Ratings and Ratios
Liability Insurance, Property Insurance, Specialty Insurance
JRVR EPS (Earnings per Share)
JRVR Revenue
Description: JRVR James River Holdings
James River Group Holdings, Ltd. is a specialty insurance services provider operating through two segments: Excess and Surplus Lines, and Specialty Admitted Insurance. The company underwrites liability and property insurance in the US, Puerto Rico, and the US Virgin Islands, primarily through wholesale insurance brokers. Its Specialty Admitted Insurance segment provides insurance for fronting, program administrators, and managing general agents.
To further analyze JRVRs performance, we can examine key performance indicators (KPIs) such as the combined ratio, which measures the companys underwriting profitability. A combined ratio below 100% indicates profitable underwriting. Additionally, the loss ratio, which measures the percentage of claims paid out relative to premiums earned, is another important metric. A lower loss ratio is generally more desirable. JRVRs revenue growth rate and return on equity (ROE) are also crucial in evaluating its financial health, although the current ROE of -14.25% raises concerns about the companys current profitability.
Other relevant KPIs for JRVR include the gross written premium (GWP) growth rate, which indicates the companys ability to expand its business, and the expense ratio, which measures the companys operating efficiency. A lower expense ratio suggests better cost management. Furthermore, JRVRs investment income and yield on investments can provide insight into its overall financial performance, as insurance companies typically generate income from both underwriting and investments.
To assess JRVRs valuation, we can consider metrics such as the price-to-book (P/B) ratio, which compares the companys market capitalization to its book value. This ratio can help determine if the stock is undervalued or overvalued relative to its assets. Additionally, the dividend yield, if applicable, can be an attractive feature for income-seeking investors. However, JRVRs current financial situation and profitability would need to be evaluated to determine the sustainability of any dividend payments.
JRVR Stock Overview
| Market Cap in USD | 244m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2005-08-09 |
JRVR Stock Ratings
| Growth Rating | -60.2% |
| Fundamental | 10.3% |
| Dividend Rating | 1.0% |
| Return 12m vs S&P 500 | -34.0% |
| Analyst Rating | 4.25 of 5 |
JRVR Dividends
| Dividend Yield 12m | 0.79% |
| Yield on Cost 5y | 0.10% |
| Annual Growth 5y | -33.17% |
| Payout Consistency | 85.4% |
| Payout Ratio | 80.0% |
JRVR Growth Ratios
| Growth Correlation 3m | -37.9% |
| Growth Correlation 12m | -3.6% |
| Growth Correlation 5y | -97.9% |
| CAGR 5y | -39.99% |
| CAGR/Max DD 3y | -0.47 |
| CAGR/Mean DD 3y | -0.61 |
| Sharpe Ratio 12m | -0.07 |
| Alpha | 0.03 |
| Beta | 0.479 |
| Volatility | 45.28% |
| Current Volume | 251.7k |
| Average Volume 20d | 207k |
| Stop Loss | 4.9 (-5.2%) |
| Signal | -1.28 |
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income (-89.8m TTM) > 0 and > 6% of Revenue (6% = 39.9m TTM) |
| FCFTA -0.05 (>2.0%) and ΔFCFTA -6.18pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 234.0% (prev 54.12%; Δ 179.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.06 (>3.0%) and CFO -288.8m <= Net Income -89.8m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 8.37 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (46.4m) change vs 12m ago 22.07% (target <= -2.0% for YES) |
| Gross Margin 99.95% (prev 13.09%; Δ 86.86pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.64% (prev 17.26%; Δ -3.62pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -3.38 (EBITDA TTM -78.1m / Interest Expense TTM 23.2m) >= 6 (WARN >= 3) |
Altman Z'' 1.57
| (A) 0.31 = (Total Current Assets 1.77b - Total Current Liabilities 211.3m) / Total Assets 5.02b |
| (B) -0.08 = Retained Earnings (Balance) -393.0m / Total Assets 5.02b |
| (C) -0.02 = EBIT TTM -78.3m / Avg Total Assets 4.88b |
| (D) -0.10 = Book Value of Equity -443.7m / Total Liabilities 4.39b |
| Total Rating: 1.57 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 10.30
| 1. Piotroski 1.0pt = -4.0 |
| 2. FCF Yield -26.71% = -5.0 |
| 3. FCF Margin -37.87% = -7.50 |
| 4. Debt/Equity 0.53 = 2.36 |
| 5. Debt/Ebitda -4.26 = -2.50 |
| 6. ROIC - WACC (= -13.66)% = -12.50 |
| 7. RoE -14.30% = -2.38 |
| 8. Rev. Trend -71.31% = -5.35 |
| 9. EPS Trend -56.62% = -2.83 |
What is the price of JRVR shares?
Over the past week, the price has changed by -1.90%, over one month by -8.97%, over three months by -13.53% and over the past year by -21.62%.
Is James River Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of JRVR is around 3.34 USD . This means that JRVR is currently overvalued and has a potential downside of -35.4%.
Is JRVR a buy, sell or hold?
- 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 | 36.6% |
| Analysts Target Price | 7.1 | 36.6% |
| ValueRay Target Price | 3.6 | -30.8% |
Last update: 2025-09-16 04:37
JRVR Fundamental Data Overview
CCE Cash And Equivalents = 1.52b USD (Cash And Short Term Investments, last quarter)
P/E Forward = 4.6533
P/S = 0.3665
P/B = 0.495
Beta = 0.034
Revenue TTM = 665.3m USD
EBIT TTM = -78.3m USD
EBITDA TTM = -78.1m USD
Long Term Debt = 329.9m USD (from longTermDebt, last quarter)
Short Term Debt = 3.15m USD (from shortTermDebt, last fiscal year)
Debt = 333.0m USD (Calculated: Short Term 3.15m + Long Term 329.9m)
Net Debt = -220.0m USD (from netDebt column, last quarter)
Enterprise Value = -943.4m USD (243.8m + Debt 333.0m - CCE 1.52b)
Interest Coverage Ratio = -3.38 (Ebit TTM -78.3m / Interest Expense TTM 23.2m)
FCF Yield = -26.71% (FCF TTM -252.0m / Enterprise Value -943.4m)
FCF Margin = -37.87% (FCF TTM -252.0m / Revenue TTM 665.3m)
Net Margin = -13.50% (Net Income TTM -89.8m / Revenue TTM 665.3m)
Gross Margin = 99.95% ((Revenue TTM 665.3m - Cost of Revenue TTM 363.0k) / Revenue TTM)
Tobins Q-Ratio = 2.13 (Enterprise Value -943.4m / Book Value Of Equity -443.7m)
Interest Expense / Debt = 1.74% (Interest Expense 5.80m / Debt 333.0m)
Taxrate = 30.12% (2.21m / 7.33m)
NOPAT = -78.3m (EBIT -78.3m, no tax applied on loss)
Current Ratio = 8.37 (Total Current Assets 1.77b / Total Current Liabilities 211.3m)
Debt / Equity = 0.53 (Debt 333.0m / last Quarter total Stockholder Equity 625.7m)
Debt / EBITDA = -4.26 (Net Debt -220.0m / EBITDA -78.1m)
Debt / FCF = -1.32 (Debt 333.0m / FCF TTM -252.0m)
Total Stockholder Equity = 628.1m (last 4 quarters mean)
RoA = -1.79% (Net Income -89.8m, Total Assets 5.02b )
RoE = -14.30% (Net Income TTM -89.8m / Total Stockholder Equity 628.1m)
RoCE = -8.17% (Ebit -78.3m / (Equity 628.1m + L.T.Debt 329.9m))
RoIC = -9.67% (NOPAT -78.3m / Invested Capital 809.4m)
WACC = 3.99% (E(243.8m)/V(576.8m) * Re(7.78%)) + (D(333.0m)/V(576.8m) * Rd(1.74%) * (1-Tc(0.30)))
Shares Correlation 3-Years: 60.61 | Cagr: 1.97%
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -252.0m)
EPS Correlation: -56.62 | EPS CAGR: -18.96% | SUE: 0.0 | # QB: 0
Revenue Correlation: -71.31 | Revenue CAGR: -4.98% | SUE: N/A | # QB: None
Additional Sources for JRVR Stock
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Fund Manager Positions: Dataroma | Stockcircle