6.36 USD
+0.1 (+1.6%)
6.36 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to JRVR. JRVR was compared to 148 industry peers in the Insurance industry. Both the profitability and financial health of JRVR have multiple concerns. JRVR has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year JRVR has reported negative net income.
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 (-1.71%) is worse than 86.49% of its industry peers.
Looking at the Return On Equity, with a value of -13.29%, JRVR is doing worse than 87.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.71% | ||
| ROE | -13.29% | ||
| ROIC | N/A |
ROA(3y)-1.38%
ROA(5y)-1.51%
ROE(3y)-11.37%
ROE(5y)-11.47%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for JRVR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
JRVR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for JRVR has been increased compared to 1 year ago.
The number of shares outstanding for JRVR has been increased compared to 5 years ago.
Compared to 1 year ago, JRVR has an improved debt to assets ratio.
2.2 Solvency
JRVR has a debt to FCF ratio of 31.71. This is a negative value and a sign of low solvency as JRVR would need 31.71 years to pay back of all of its debts.
JRVR has a Debt to FCF ratio of 31.71. This is in the lower half of the industry: JRVR underperforms 73.65% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that JRVR is somewhat dependend on debt financing.
The Debt to Equity ratio of JRVR (0.52) is worse than 72.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 31.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.57%
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 -180.65% in the last year.
The Revenue for JRVR has decreased by -53.58% in the past year. This is quite bad
The Revenue has been decreasing by -4.85% on average over the past years.
EPS 1Y (TTM)-180.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%143.24%
Revenue 1Y (TTM)-53.58%
Revenue growth 3Y-2.9%
Revenue growth 5Y-4.85%
Sales Q2Q%-9.8%
3.2 Future
Based on estimates for the next years, JRVR will show a very strong growth in Earnings Per Share. The EPS will grow by 46.92% on average per year.
JRVR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.07% yearly.
EPS Next Y208.06%
EPS Next 2Y79.01%
EPS Next 3Y46.92%
EPS Next 5YN/A
Revenue Next Year-5.6%
Revenue Next 2Y-1.96%
Revenue Next 3Y-3.07%
Revenue Next 5YN/A
3.3 Evolution
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 negative for JRVR. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 5.23 indicates a rather cheap valuation of JRVR.
Based on the Price/Forward Earnings ratio, JRVR is valued cheaper than 82.43% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.01, JRVR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.23 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, JRVR is valued a bit cheaper than the industry average as 60.14% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, JRVR is valued a bit more expensive than the industry average as 70.27% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.11 | ||
| EV/EBITDA | 8.29 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
JRVR's earnings are expected to grow with 46.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y79.01%
EPS Next 3Y46.92%
5. Dividend
5.1 Amount
JRVR has a yearly dividend return of 0.61%, which is pretty low.
JRVR's Dividend Yield is slightly below the industry average, which is at 2.30.
With a Dividend Yield of 0.61, JRVR pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.61% |
5.2 History
The dividend of JRVR decreases each year by -17.79%.
JRVR has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-17.79%
Div Incr Years0
Div Non Decr Years0
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.
DP-11.99%
EPS Next 2Y79.01%
EPS Next 3Y46.92%
6.36
+0.1 (+1.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners62.34%
Inst Owner Change-0.69%
Ins Owners1.52%
Ins Owner Change1.72%
Market Cap292.37M
Revenue(TTM)646.58M
Net Income(TTM)-84.59M
Analysts82
Price Target7.27 (14.31%)
Short Float %2.38%
Short Ratio4.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.61% |
Yearly Dividend0.46
Dividend Growth(5Y)-17.79%
DP-11.99%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)13.24%
Min EPS beat(2)-2.89%
Max EPS beat(2)29.37%
EPS beat(4)1
Avg EPS beat(4)-30.46%
Min EPS beat(4)-117.72%
Max EPS beat(4)29.37%
EPS beat(8)1
Avg EPS beat(8)-94.14%
EPS beat(12)3
Avg EPS beat(12)-61.9%
EPS beat(16)5
Avg EPS beat(16)-142.79%
Revenue beat(2)0
Avg Revenue beat(2)-4.18%
Min Revenue beat(2)-5.5%
Max Revenue beat(2)-2.86%
Revenue beat(4)0
Avg Revenue beat(4)-8.72%
Min Revenue beat(4)-18.23%
Max Revenue beat(4)-2.86%
Revenue beat(8)3
Avg Revenue beat(8)5.18%
Revenue beat(12)7
Avg Revenue beat(12)4.72%
Revenue beat(16)8
Avg Revenue beat(16)2.77%
PT rev (1m)0.88%
PT rev (3m)0.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.5%
EPS NY rev (1m)7%
EPS NY rev (3m)7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.72%
Revenue NY rev (1m)-2.42%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.23 | ||
| P/S | 0.45 | ||
| P/FCF | 28.11 | ||
| P/OCF | 18.89 | ||
| P/B | 0.46 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | 8.29 |
EPS(TTM)-0.25
EYN/A
EPS(NY)1.22
Fwd EY19.12%
FCF(TTM)0.23
FCFY3.56%
OCF(TTM)0.34
OCFY5.29%
SpS14.07
BVpS13.85
TBVpS9.2
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.71% | ||
| ROE | -13.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 1.61% |
ROA(3y)-1.38%
ROA(5y)-1.51%
ROE(3y)-11.37%
ROE(5y)-11.47%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 31.71 | ||
| Debt/EBITDA | 7.13 | ||
| Cap/Depr | 7.32% | ||
| Cap/Sales | 0.78% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 33.46% | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC7.57%
ROIC/WACCN/A
Cap/Depr(3y)7.66%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.83%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-180.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%143.24%
EPS Next Y208.06%
EPS Next 2Y79.01%
EPS Next 3Y46.92%
EPS Next 5YN/A
Revenue 1Y (TTM)-53.58%
Revenue growth 3Y-2.9%
Revenue growth 5Y-4.85%
Sales Q2Q%-9.8%
Revenue Next Year-5.6%
Revenue Next 2Y-1.96%
Revenue Next 3Y-3.07%
Revenue Next 5YN/A
EBIT growth 1Y-117.15%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1556.1%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-92.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-89.85%
OCF growth 3YN/A
OCF growth 5YN/A
JAMES RIVER GROUP HOLDINGS I / JRVR FAQ
What is the fundamental rating for JRVR stock?
ChartMill assigns a fundamental rating of 2 / 10 to JRVR.
What is the valuation status of JAMES RIVER GROUP HOLDINGS I (JRVR) stock?
ChartMill assigns a valuation rating of 5 / 10 to JAMES RIVER GROUP HOLDINGS I (JRVR). This can be considered as Fairly Valued.
How profitable is JAMES RIVER GROUP HOLDINGS I (JRVR) stock?
JAMES RIVER GROUP HOLDINGS I (JRVR) has a profitability rating of 1 / 10.
Is the dividend of JAMES RIVER GROUP HOLDINGS I sustainable?
The dividend rating of JAMES RIVER GROUP HOLDINGS I (JRVR) is 1 / 10 and the dividend payout ratio is -11.99%.