JAMES RIVER GROUP HOLDINGS L (JRVR)
BMG5005R1079 - Common Stock
Overall JRVR gets a fundamental rating of 2 out of 10. We evaluated JRVR against 141 industry peers in the Insurance industry. JRVR may be in some trouble as it scores bad on both profitability and health. JRVR is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year JRVR was profitable.
JRVR had a negative operating cash flow in the past year.
In multiple years JRVR reported negative net income over the last 5 years.
In multiple years JRVR reported negative operating cash flow during the last 5 years.
1.2 Ratios
JRVR has a worse Return On Assets (-2.87%) than 90.65% of its industry peers.
Looking at the Return On Equity, with a value of -21.09%, JRVR is doing worse than 87.77% of the companies in the same industry.
JRVR has a Return On Invested Capital (1.82%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.87% | ||
| ROE | -21.09% | ||
| ROIC | 1.82% |
ROA(3y)-1.76%
ROA(5y)-0.89%
ROE(3y)-12.68%
ROE(5y)-6.5%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
JRVR's Operating Margin of 9.63% is in line compared to the rest of the industry. JRVR outperforms 49.64% of its industry peers.
In the last couple of years the Operating Margin of JRVR has grown nicely.
The Profit Margin and Gross Margin are not available for JRVR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.63% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y62.22%
OM growth 5Y8.58%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so JRVR is destroying value.
Compared to 1 year ago, JRVR has more shares outstanding
Compared to 5 years ago, JRVR has more shares outstanding
The debt/assets ratio for JRVR has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.45 indicates that JRVR is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.45, JRVR is doing worse than 62.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.24
WACC7.69%
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 -85.24% in the last year.
Measured over the past years, JRVR shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.00% on average per year.
JRVR shows a strong growth in Revenue. In the last year, the Revenue has grown by 51.27%.
Measured over the past years, JRVR shows a decrease in Revenue. The Revenue has been decreasing by -1.72% on average per year.
EPS 1Y (TTM)-85.24%
EPS 3Y41.54%
EPS 5Y-4%
EPS Q2Q%-254.17%
Revenue 1Y (TTM)51.27%
Revenue growth 3Y6.69%
Revenue growth 5Y-1.72%
Sales Q2Q%-17.96%
3.2 Future
JRVR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.01% yearly.
JRVR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.63% yearly.
EPS Next Y-126.84%
EPS Next 2Y-12.44%
EPS Next 3Y-8.01%
EPS Next 5YN/A
Revenue Next Year-13.74%
Revenue Next 2Y-3.72%
Revenue Next 3Y-0.63%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
JRVR is valuated correctly with a Price/Earnings ratio of 15.52.
Compared to the rest of the industry, the Price/Earnings ratio of JRVR is on the same level as its industry peers.
JRVR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.48.
JRVR is valuated cheaply with a Price/Forward Earnings ratio of 3.30.
Compared to the rest of the industry, the Price/Forward Earnings ratio of JRVR indicates a rather cheap valuation: JRVR is cheaper than 84.17% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of JRVR to the average of the S&P500 Index (23.73), we can say JRVR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.52 | ||
| Fwd PE | 3.3 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, JRVR is valued cheaper than 97.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.69 |
4.3 Compensation for Growth
A cheap valuation may be justified as JRVR's earnings are expected to decrease with -8.01% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.44%
EPS Next 3Y-8.01%
5. Dividend
5.1 Amount
JRVR has a yearly dividend return of 0.82%, which is pretty low.
In the last 3 months the price of JRVR has falen by -25.95%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.09, JRVR is paying slightly less dividend.
With a Dividend Yield of 0.82, JRVR pays less dividend than the S&P500 average, which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
5.2 History
The dividend of JRVR decreases each year by -16.68%.
JRVR has been paying a dividend for at least 10 years, so it has a reliable track record.
JRVR has decreased its dividend recently.
Dividend Growth(5Y)-16.68%
Div Incr Years0
Div Non Decr Years1
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.
The Dividend Rate of JRVR has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-14.63%
EPS Next 2Y-12.44%
EPS Next 3Y-8.01%
JAMES RIVER GROUP HOLDINGS L
NASDAQ:JRVR (1/6/2025, 4:01:15 PM)
After market: 4.81 0 (0%)4.81
-0.07 (-1.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners84.58%
Inst Owner Change0%
Ins Owners1.84%
Ins Owner Change0.17%
Market Cap210.15M
Analysts78.33
Price Target7.7 (60.08%)
Short Float %2.11%
Short Ratio2.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
Dividend Growth(5Y)-16.68%
DP-14.63%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-297.49%
Min EPS beat(2)-572.63%
Max EPS beat(2)-22.35%
EPS beat(4)0
Avg EPS beat(4)-157.83%
Min EPS beat(4)-572.63%
Max EPS beat(4)-10.03%
EPS beat(8)2
Avg EPS beat(8)-77.63%
EPS beat(12)4
Avg EPS beat(12)-180.24%
EPS beat(16)5
Avg EPS beat(16)-185.03%
Revenue beat(2)1
Avg Revenue beat(2)12.83%
Min Revenue beat(2)-2.43%
Max Revenue beat(2)28.1%
Revenue beat(4)3
Avg Revenue beat(4)19.07%
Min Revenue beat(4)-2.43%
Max Revenue beat(4)46.27%
Revenue beat(8)7
Avg Revenue beat(8)11.44%
Revenue beat(12)8
Avg Revenue beat(12)6.6%
Revenue beat(16)9
Avg Revenue beat(16)4.96%
PT rev (1m)-7.36%
PT rev (3m)-27.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-187.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-139.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-21.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.52 | ||
| Fwd PE | 3.3 | ||
| P/S | 0.15 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.31 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 0.69 |
EPS(TTM)0.31
EY6.44%
EPS(NY)1.46
Fwd EY30.28%
FCF(TTM)-6.17
FCFYN/A
OCF(TTM)-6.05
OCFYN/A
SpS31.88
BVpS15.46
TBVpS10.55
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.87% | ||
| ROE | -21.09% | ||
| ROCE | 2.73% | ||
| ROIC | 1.82% | ||
| ROICexc | 1.96% | ||
| ROICexgc | 5.02% | ||
| OM | 9.63% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)-1.76%
ROA(5y)-0.89%
ROE(3y)-12.68%
ROE(5y)-6.5%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y84.21%
ROICexcg growth 5Y-0.71%
ROICexc growth 3Y71.33%
ROICexc growth 5Y-4.15%
OM growth 3Y62.22%
OM growth 5Y8.58%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1.32 | ||
| Cap/Depr | 5.49% | ||
| Cap/Sales | 0.38% | ||
| Interest Coverage | 4.42 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC7.69%
ROIC/WACC0.24
Cap/Depr(3y)8.32%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.87%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-85.24%
EPS 3Y41.54%
EPS 5Y-4%
EPS Q2Q%-254.17%
EPS Next Y-126.84%
EPS Next 2Y-12.44%
EPS Next 3Y-8.01%
EPS Next 5YN/A
Revenue 1Y (TTM)51.27%
Revenue growth 3Y6.69%
Revenue growth 5Y-1.72%
Sales Q2Q%-17.96%
Revenue Next Year-13.74%
Revenue Next 2Y-3.72%
Revenue Next 3Y-0.63%
Revenue Next 5YN/A
EBIT growth 1Y13.79%
EBIT growth 3Y73.07%
EBIT growth 5Y6.72%
EBIT Next Year-96%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-187.59%
FCF growth 3YN/A
FCF growth 5Y-22.42%
OCF growth 1Y-183.7%
OCF growth 3YN/A
OCF growth 5Y-21.23%