(JRVR) James River Holdings - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: BMG5005R1079
Insurance, Liability, Property, Fronting
Dividends
| Dividend Yield | 0.85% |
| Yield on Cost 5y | 0.12% |
| Yield CAGR 5y | -39.57% |
| Payout Consistency | 82.8% |
| Payout Ratio | 80.0% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 50.5% |
| Value at Risk 5%th | 71.6% |
| Relative Tail Risk | -13.76% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.67 |
| Alpha | 22.12 |
| CAGR/Max DD | -0.43 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.271 |
| Beta | 0.591 |
| Beta Downside | 0.360 |
| Drawdowns 3y | |
|---|---|
| Max DD | 85.36% |
| Mean DD | 57.01% |
| Median DD | 67.61% |
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.
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) 31.35
| 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 -45.05% |
| 9. EPS Trend -4.48% |
What is the price of JRVR shares?
As of December 01, 2025, the stock is trading at USD 5.89 with a total of 98,975 shares traded.
Over the past week, the price has changed by +2.79%, over one month by +15.49%, over three months by +9.08% and over the past year by +31.67%.
Over the past week, the price has changed by +2.79%, over one month by +15.49%, over three months by +9.08% and over the past year by +31.67%.
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 | 21.1% |
| Analysts Target Price | 7.1 | 21.1% |
| ValueRay Target Price | 4.5 | -24.1% |
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(8.19%) + D(329.9m)/V(589.6m) * Rd(1.89%) * (1-Tc(0.40)))
Discount Rate = 8.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.08%
[DCF Debug] Terminal Value 69.82% ; FCFE base≈10.4m ; Y1≈6.83m ; Y5≈3.12m
Fair Price DCF = 1.30 (DCF Value 59.9m / Shares Outstanding 46.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -4.48 | EPS CAGR: 182.1% | SUE: 0.26 | # QB: 0
Revenue Correlation: -45.05 | Revenue CAGR: -4.75% | SUE: -0.02 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.28 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=3
EPS current Year (2025-12-31): EPS=1.13 | Chg30d=+0.141 | Revisions Net=+4 | Growth EPS=+205.2% | Growth Revenue=-2.2%
EPS next Year (2026-12-31): EPS=1.18 | Chg30d=+0.007 | Revisions Net=-1 | Growth EPS=+5.2% | Growth Revenue=+1.8%
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(8.19%) + D(329.9m)/V(589.6m) * Rd(1.89%) * (1-Tc(0.40)))
Discount Rate = 8.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.08%
[DCF Debug] Terminal Value 69.82% ; FCFE base≈10.4m ; Y1≈6.83m ; Y5≈3.12m
Fair Price DCF = 1.30 (DCF Value 59.9m / Shares Outstanding 46.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -4.48 | EPS CAGR: 182.1% | SUE: 0.26 | # QB: 0
Revenue Correlation: -45.05 | Revenue CAGR: -4.75% | SUE: -0.02 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.28 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=3
EPS current Year (2025-12-31): EPS=1.13 | Chg30d=+0.141 | Revisions Net=+4 | Growth EPS=+205.2% | Growth Revenue=-2.2%
EPS next Year (2026-12-31): EPS=1.18 | Chg30d=+0.007 | Revisions Net=-1 | Growth EPS=+5.2% | Growth Revenue=+1.8%
Additional Sources for JRVR Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle