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JAMES RIVER GROUP HOLDINGS L (JRVR) Stock Fundamental Analysis

NASDAQ:JRVR - Nasdaq - BMG5005R1079 - Common Stock - Currency: USD

4.79  -0.16 (-3.23%)

After market: 4.79 0 (0%)

Fundamental Rating

2

Overall JRVR gets a fundamental rating of 2 out of 10. We evaluated JRVR against 144 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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

JRVR had positive earnings in the past year.
In the past year JRVR has reported a negative cash flow from operations.
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.
JRVR Yearly Net Income VS EBIT VS OCF VS FCFJRVR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B

1.2 Ratios

JRVR has a Return On Assets of -2.87%. This is amonst the worse of the industry: JRVR underperforms 91.55% of its industry peers.
The Return On Equity of JRVR (-21.09%) is worse than 88.03% of its industry peers.
The Return On Invested Capital of JRVR (1.82%) is comparable to the rest of the industry.
Industry RankSector 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
JRVR Yearly ROA, ROE, ROICJRVR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 -20

1.3 Margins

With a Operating Margin value of 9.63%, JRVR perfoms like the industry average, outperforming 49.30% of the companies in the same industry.
JRVR's Operating Margin has improved in the last couple of years.
The Profit Margin and Gross Margin are not available for JRVR so they could not be analyzed.
Industry RankSector 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
JRVR Yearly Profit, Operating, Gross MarginsJRVR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 -20

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1

2. Health

2.1 Basic Checks

JRVR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for JRVR has been increased compared to 1 year ago.
Compared to 5 years ago, JRVR has more shares outstanding
The debt/assets ratio for JRVR has been reduced compared to a year ago.
JRVR Yearly Shares OutstandingJRVR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
JRVR Yearly Total Debt VS Total AssetsJRVR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

2.2 Solvency

A Debt/Equity ratio of 0.45 indicates that JRVR is not too dependend on debt financing.
JRVR's Debt to Equity ratio of 0.45 is on the low side compared to the rest of the industry. JRVR is outperformed by 62.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.22
WACC8.17%
JRVR Yearly LT Debt VS Equity VS FCFJRVR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
JRVR Yearly Current Assets VS Current LiabilitesJRVR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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2

3. Growth

3.1 Past

JRVR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -85.24%.
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.
The Revenue has grown by 51.27% in the past year. This is a very strong growth!
The Revenue has been decreasing by -1.72% on average over the past years.
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-125.9%
EPS Next 2Y-13.09%
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
JRVR Yearly Revenue VS EstimatesJRVR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
JRVR Yearly EPS VS EstimatesJRVR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 -4

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4

4. Valuation

4.1 Price/Earnings Ratio

JRVR is valuated correctly with a Price/Earnings ratio of 15.45.
Based on the Price/Earnings ratio, JRVR is valued a bit more expensive than 60.56% of the companies in the same industry.
JRVR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.62.
Based on the Price/Forward Earnings ratio of 3.34, the valuation of JRVR can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of JRVR indicates a rather cheap valuation: JRVR is cheaper than 83.80% 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 (22.70), we can say JRVR is valued rather cheaply.
Industry RankSector Rank
PE 15.45
Fwd PE 3.34
JRVR Price Earnings VS Forward Price EarningsJRVR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

96.48% of the companies in the same industry are more expensive than JRVR, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 0.67
JRVR Per share dataJRVR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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-13.09%
EPS Next 3Y-8.01%

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1

5. Dividend

5.1 Amount

JRVR has a yearly dividend return of 0.81%, which is pretty low.
Compared to an average industry Dividend Yield of 3.17, JRVR is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.27, JRVR's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.81%

5.2 History

The dividend of JRVR decreases each year by -16.68%.
JRVR has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of JRVR decreased recently.
Dividend Growth(5Y)-16.68%
Div Incr Years0
Div Non Decr Years1
JRVR Yearly Dividends per shareJRVR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

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.
JRVR's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-14.63%
EPS Next 2Y-13.09%
EPS Next 3Y-8.01%
JRVR Yearly Income VS Free CF VS DividendJRVR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B

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JAMES RIVER GROUP HOLDINGS L

NASDAQ:JRVR (2/21/2025, 8:00:02 PM)

After market: 4.79 0 (0%)

4.79

-0.16 (-3.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-11 2024-11-11/amc
Earnings (Next)03-03 2025-03-03/amc
Inst Owners79.44%
Inst Owner Change-87.04%
Ins Owners1.56%
Ins Owner Change-0.05%
Market Cap209.28M
Analysts78.33
Price Target7.7 (60.75%)
Short Float %3.4%
Short Ratio4.8
Dividend
Industry RankSector Rank
Dividend Yield 0.81%
Yearly Dividend0.49
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)0%
PT rev (3m)-27.75%
EPS NQ rev (1m)1.48%
EPS NQ rev (3m)-186.13%
EPS NY rev (1m)3.5%
EPS NY rev (3m)-137.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-21.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.48%
Valuation
Industry RankSector Rank
PE 15.45
Fwd PE 3.34
P/S 0.15
P/FCF N/A
P/OCF N/A
P/B 0.31
P/tB 0.45
EV/EBITDA 0.67
EPS(TTM)0.31
EY6.47%
EPS(NY)1.44
Fwd EY29.96%
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 RankSector 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 RankSector 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
WACC8.17%
ROIC/WACC0.22
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-125.9%
EPS Next 2Y-13.09%
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%