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James River Group Holdings, Inc. (JRVR) stock analysis

JRVRNasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 5/30
$3.14−0.11 (-3.38%)

Close on Nov 12, 2026Market cap $145.19MP/E –Yield 1.27%

StockData Score

Prices as of Nov 12, 2026How the score works

Value2Growth1Performance1Health0Dividend1

Weak5 of 30 checks passed

James River passes 5 of the 30 checks behind our score; 15 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
1/6
Past performance
1/6
Financial health
0/6
Dividend
1/6

What stands out

  • Earnings grew over 5 years

    Net income grew 58.0% a year on average over the last five fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 10.2% a year over the last three fiscal years.

  • P/S below the industry

    James River's price-to-sales of 0.23 is below the Fire, Marine, and Casualty Insurance median of 1.30.

  • P/B below the industry

    James River's price-to-book of 0.50 is below the Fire, Marine, and Casualty Insurance median of 1.62.

What to watch

  • Return on equity under 15%

    Return on equity was -39.7% over the last twelve months and averaged -8.9% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 1.3% a year over the last three fiscal years, short of the 10% we look for.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

  • Growing slower than the industry

    Revenue grew -2.8% over the last twelve months; the Fire, Marine, and Casualty Insurance median is 5.0%.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    James River's price-to-sales of 0.23 is below the Fire, Marine, and Casualty Insurance median of 1.30.

  • P/B below the industry

    James River's price-to-book of 0.50 is below the Fire, Marine, and Casualty Insurance median of 1.62.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 1.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 10.2% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew -2.8% over the last twelve months; the Fire, Marine, and Casualty Insurance median is 5.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity under 15%

    Return on equity was -39.7% over the last twelve months and averaged -8.9% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -3.4%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    James River's return on equity of -39.7% is below the Fire, Marine, and Casualty Insurance median of 15.9%.

  • Earnings grew over 5 years

    Net income grew 58.0% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was -25.1% over the last twelve months, against a 5-year average of -8.3%.

  • Net margin below the industry

    James River's net margin of -25.1% is below the Fire, Marine, and Casualty Insurance median of 12.0%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend1/6

  • Pays a dividend

    James River paid dividends worth 1.3% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.3% yield is below the 4.6% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.9% or more; James River yields 1.3%.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for James River. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Fire, Marine, and Casualty Insurance median 10.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$1.11M
Value traded per 1% price move
$609.49K

Downside

High risk

Typical loss in a bad month
36.7%
Volatility (annualized)
47%
Sharpe ratio, 1 year
-1.03
Beta to the S&P 500 (5Y)
0.61

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2012 to 2025

Net margin

6.9%+6.2 pts over 5 years

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