JAMES RIVER GROUP HOLDINGS L (JRVR)
BMG5005R1079 - Common Stock
We assign a fundamental rating of 2 out of 10 to JRVR. JRVR was compared to 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
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.
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
With a Return On Assets value of -2.87%, JRVR is not doing good in the industry: 89.29% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -21.09%, JRVR is doing worse than 85.00% of the companies in the same industry.
The Return On Invested Capital of JRVR (1.82%) is comparable to the rest of the industry.
| 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 has a Operating Margin (9.63%) which is in line with its industry peers.
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 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
JRVR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, JRVR has more shares outstanding
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/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of JRVR (0.45) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.24
WACC7.46%
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 -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 -1.18% yearly.
JRVR is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.73% yearly.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
JRVR is valuated correctly with a Price/Earnings ratio of 14.35.
The rest of the industry has a similar Price/Earnings ratio as JRVR.
JRVR is valuated cheaply when we compare the Price/Earnings ratio to 29.20, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 2.52, 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 85.71% 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 (24.00), we can say JRVR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.35 | ||
| Fwd PE | 2.52 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of JRVR indicates a rather cheap valuation: JRVR is cheaper than 98.57% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.6 |
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
JRVR has a yearly dividend return of 0.89%, which is pretty low.
The stock price of JRVR dropped by -40.35% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
JRVR's Dividend Yield is slightly below the industry average, which is at 4.05.
Compared to an average S&P500 Dividend Yield of 2.21, JRVR's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
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
5.3 Sustainability
JRVR has negative earnings and hence a negative payout ratio. The dividend may be in danger.
JRVR's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-14.63%
EPS Next 2Y-3.69%
EPS Next 3Y-1.18%
JAMES RIVER GROUP HOLDINGS L
NASDAQ:JRVR (11/22/2024, 8:00:02 PM)
After market: 4.45 0 (0%)4.45
-0.03 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap194.42M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
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)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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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 | 14.35 | ||
| Fwd PE | 2.52 | ||
| 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 | -2.87% | ||
| ROE | -21.09% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 9.63% | ||
| 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 Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| 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)-85.24%
EPS 3Y41.54%
EPS 5Y
EPS Q2Q%
EPS Next Y-31.6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)51.27%
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