Employers vs James River
EIG and JRVR side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How EIG and JRVR compare
Employers is the larger company, worth 5.5 times as much as James River ($830M against $150M).
James River grew revenue faster over the last twelve months (−2.8% versus −13.0% for Employers).
Employers keeps more of each dollar of sales as profit, with a net margin of 3.5% compared with −25.1% at James River.
Both pay dividends: Employers yields 2.8% and James River 1.2%.
Employers scores higher on the StockData Score (7 against 5 for James River), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | EIG | JRVR |
|---|---|---|
| Size and price | ||
| Market cap | $830M | $150M |
| Share price | $47.33 | $3.25 |
| Change, 1 year | 22.3% | −39.5% |
| Change, 5 years | 22.9% | −88.8% |
| Beta (5Y) | 0.37 | 0.64 |
| Employees | 623 | 578 |
| StockData Score | ||
| Total score | 7 (better) | 5 |
| Valuation score | 2 | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 0 | 1 (better) |
| Health score | 4 (better) | 0 |
| Dividend score | 1 | 1 |
| Valuation | ||
| P/S | 1.1× | 0.2× (better) |
| P/B | 1.1× | 0.5× (better) |
| EV/EBITDA | 16.1× | – |
| FCF yield | – | −50.4% |
| Growth | ||
| Revenue growth (TTM) | −13.0% | −2.8% (better) |
| Revenue growth, 5Y average | 3.8% (better) | 0.56% |
| Net income growth (TTM) | −56.0% | – |
| EPS growth, 5Y average | −35.0% | 37.6% (better) |
| Profitability | ||
| Net margin | 3.5% (better) | −25.1% |
| FCF margin | – | −12.1% |
| Return on equity | 3.0% (better) | −39.7% |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Net debt / EBITDA | −1.93 | – |
| Altman Z-score | 1.08 (better) | −0.01 |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 2.8% (better) | 1.2% |
| Payout ratio | 94.2% | – |
| Years of dividend growth | 2 (better) | 0 |
| Dividend growth, 5Y average | 4.7% (better) | −49.4% |
| Buyback yield | 26.6% | – |
| Shareholder yield | 29.4% (better) | 1.2% |
| Ownership | ||
| Held by institutions | 84.6% | 89.3% |
| Held by insiders | 3.3% | 56.1% |
| Insider net buying, 12 months | −$296K | – |
| Short interest, % of float | 5.7% | 9.5% |
Go deeper
- EIG stock overview
- EIG income statement
- EIG valuation and score
- JRVR stock overview
- JRVR income statement
- JRVR valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.