JAMES RIVER GROUP HOLDINGS L (JRVR)
BMG5005R1079 - Common Stock
JRVR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 140 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.
In the past year JRVR had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: JRVR reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: JRVR reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of JRVR (-1.76%) is worse than 86.96% of its industry peers.
JRVR's Return On Equity of -12.16% is on the low side compared to the rest of the industry. JRVR is outperformed by 84.78% of its industry peers.
The Return On Invested Capital of JRVR (3.07%) is better than 65.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.76% | ||
| ROE | -12.16% | ||
| ROIC | 3.07% |
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 has a better Operating Margin (15.08%) than 65.94% 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 | 15.08% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), JRVR is destroying value.
JRVR has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, JRVR has more shares outstanding
JRVR has a better debt/assets ratio than last year.
2.2 Solvency
JRVR has a debt to FCF ratio of 5.52. This is a neutral value as JRVR would need 5.52 years to pay back of all of its debts.
The Debt to FCF ratio of JRVR (5.52) is worse than 64.49% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that JRVR is not too dependend on debt financing.
JRVR has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: JRVR underperforms 60.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 5.52 | ||
| Altman-Z | N/A |
ROIC/WACC0.41
WACC7.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
JRVR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.63%.
The Earnings Per Share has been decreasing by -4.00% on average over the past years.
The Revenue has grown by 61.47% 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)-24.63%
EPS 3Y41.54%
EPS 5Y-4%
EPS Q2Q%-37.74%
Revenue 1Y (TTM)61.47%
Revenue growth 3Y6.69%
Revenue growth 5Y-1.72%
Sales Q2Q%-21.03%
3.2 Future
Based on estimates for the next years, JRVR will show a decrease in Earnings Per Share. The EPS will decrease by -1.18% on average per year.
The Revenue is expected to decrease by -0.73% on average over the next years.
EPS Next Y-31.6%
EPS Next 2Y-3.69%
EPS Next 3Y-1.18%
EPS Next 5YN/A
Revenue Next Year-15%
Revenue Next 2Y-4.02%
Revenue Next 3Y-0.73%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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
The Price/Earnings ratio is 4.33, which indicates a rather cheap valuation of JRVR.
Based on the Price/Earnings ratio, JRVR is valued cheaper than 82.61% of the companies in the same industry.
When comparing the Price/Earnings ratio of JRVR to the average of the S&P500 Index (29.38), we can say JRVR is valued rather cheaply.
With a Price/Forward Earnings ratio of 3.76, the valuation of JRVR can be described as very cheap.
JRVR's Price/Forward Earnings ratio is rather cheap when compared to the industry. JRVR is cheaper than 84.06% of the companies in the same industry.
JRVR is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.33 | ||
| Fwd PE | 3.76 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, JRVR is valued a bit cheaper than the industry average as 73.91% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.54 | ||
| EV/EBITDA | -0.38 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.69%
EPS Next 3Y-1.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.05%, JRVR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.75, JRVR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.21, JRVR pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.05% |
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
JRVR has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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-18.68%
EPS Next 2Y-3.69%
EPS Next 3Y-1.18%
JAMES RIVER GROUP HOLDINGS L
NASDAQ:JRVR (11/11/2024, 8:00:01 PM)
After market: 6.15 -0.47 (-7.1%)6.62
+0.07 (+1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap250.43M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.05% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.33 | ||
| Fwd PE | 3.76 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.76% | ||
| ROE | -12.16% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 15.08% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-24.63%
EPS 3Y41.54%
EPS 5Y
EPS Q2Q%
EPS Next Y-31.6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)61.47%
Revenue growth 3Y6.69%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y