James River Group Holdings, Inc. JRVR R2K
Financial Services · Insurance - Specialty · United States
James River Group Holdings, Inc. provides specialty insurance services. It operates in Excess and Surplus Lines, and Specialty Admitted Insurance segments. The Excess and Surplus Lines segment offers commercial excess and surplus lines liability and excess property insurance products in the United States, Puerto Rico, and the United States Virgin Islands. This segment distributes its insurance policies primarily through wholesale insurance brokers. The Specialty Admitted Insurance segment provides insurance for fronting, program administrators, and managing general agents. The company was founded in 2002 and is based in Chapel Hill, North Carolina.
READ MORE ›$3.91
-32.37% 1Y
Market & Price
Market Cap
$180.79M
Current Price
$3.91
High / Low (52W)
$7.12 / $3.91
Beta
-0.03
Valuation
Stock P/E
9.31
Industry PE
12.01
Forward P/E
3.53
PEG Ratio
-
Book Value
$11.71
Price to Book
0.33
P/S
0.27
EV/EBITDA
8.69
Dividend Yield
1.02%
Profitability & Returns
ROCE
-
ROE
4.74%
ROA
0.61%
Profit Margin
4.34%
Op Margin
-3.33%
EPS (Latest Qtr)
$-0.23
EPS (TTM)
$0.42
Balance Sheet & Liquidity
Debt/Equity
0.51
Quick Ratio
0.60
Current Ratio
4.48
Debt
$329.86M
Total Assets
$4.86B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
7.83%
Chg in Prom Hold
-
FII / Inst Holding
81.28%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$415.55M
Total Revenue (TTM)
$666.71M
EBITDA
$47.85M
Free Cash Flow
$215.61M
Operating Cash Flow
$32.00M
Shares Outstanding
46.24M
Gross Margin
34.63%
Payout Ratio
9.52%
Growth (CAGR)
Revenue 5Y
1.30%
Profit 5Y
15.26%
Revenue (YoY)
-12.10%
Earnings (YoY)
-
PROS
- Profit CAGR of 15.3% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 45.1% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
- RSI at 25 suggests oversold conditions.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | JRVR James River Group Holdings, Inc. R2K | 3.91 | 9.31 | $180.79M | 1.02% | - | 4.74% | 1.30% | 15.26% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 125.10M | 131.33M | 134.51M | 151.37M | 169.02M | 176.40M | 202.39M | 220.87M | 217.96M | 218.34M | 228.04M | 224.69M | 214.52M | 214.13M | 220.37M | 231.47M | 241.15M | 110.28M | 186.75M | 177.47M | 182.98M | 191.57M | 190.99M | 157.62M | 154.86M | 162.23M | 186.81M | 191.73M | 194.78M | 210.32M | 218.10M | 201.13M | 188.29M | - | - | 172.29M | 174.84M | 172.74M | 167.75M | 151.38M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.55M | 13.13M | 8.88M | 30.52M | -5.05M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.54M | 5.80M | 6.22M | 5.97M | 5.59M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 16.01M | 7.33M | 2.65M | 24.55M | -10.63M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.02M | 2.21M | 1.06M | -7.56M | -1.86M |
| Net Income | 12.67M | 12.84M | 14.60M | 21.37M | 25.67M | 18.45M | 14.54M | 10.35M | 224.00K | 15.63M | 16.98M | 19.58M | 11.63M | 22.73M | 20.31M | -25.17M | 20.47M | -36.81M | 35.61M | 26.28M | -103.46M | 20.84M | -23.89M | 10.21M | 7.66M | -4.62M | 17.73M | 9.61M | 15.91M | 19.55M | -150.16M | 15.40M | 7.62M | - | - | 9.57M | 4.76M | 1.02M | 32.07M | -8.92M |
| Diluted EPS | 0.43 | 0.43 | 0.49 | 0.71 | 0.85 | 0.61 | 0.48 | 0.34 | 0.01 | 0.52 | 0.56 | 0.64 | 0.38 | 0.75 | 0.66 | -0.83 | 0.67 | -1.21 | 1.16 | 0.85 | -3.37 | 0.60 | -0.64 | 0.25 | 0.13 | -0.19 | 0.40 | 0.18 | 0.35 | 0.45 | -3.43 | 0.35 | 0.13 | - | - | 0.16 | 0.06 | -0.02 | 0.53 | -0.23 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 386.29M | 439.00M | 504.92M | 586.23M | 817.62M | 885.60M | 907.12M | 668.69M | 609.03M | 661.51M | 812.01M | 707.63M | 687.61M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | 67.14M | 111.54M | -46.45M | 74.08M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | 13.87M | 24.63M | 24.67M | 23.54M |
| Pretax Income | - | - | - | - | - | - | - | - | - | 53.27M | 86.91M | -71.12M | 50.54M |
| Tax Provision | - | - | - | - | - | - | - | - | - | 18.41M | 25.70M | -7.63M | 723.00K |
| Net Income | 67.34M | 44.69M | 53.50M | 74.47M | 43.57M | 63.83M | 38.34M | 4.82M | -172.80M | 30.97M | -107.68M | -81.12M | 47.43M |
| Diluted EPS | 2.21 | 1.55 | 1.82 | 2.49 | 1.44 | 2.11 | 1.25 | 0.16 | -4.94 | 0.59 | -3.14 | -3.06 | 0.79 |
Compounded Sales Growth
| 5 Years: | 1.30% |
| 1 Year: | -12.10% |
Compounded Profit Growth
| 5 Years: | 15.26% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -32.37% |
| 6 Months: | -31.43% |
| 3 Months: | -44.06% |
| 1 Month: | -37.14% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 1.81B | 1.96B | 2.06B | 2.35B | 2.76B | 3.14B | 5.02B | 5.06B | - | 5.14B | 5.32B | 5.01B | 4.86B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 95.79M | 158.60M | 73.38M | 106.41M | 109.78M | 163.50M | 172.46M | 206.91M | 162.26M | - | 159.20M | 274.30M | 362.35M | 260.94M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | 1.61B | 1.77B | 2.34B | 2.30B |
| Total Liabilities | - | - | 1.27B | 1.37B | 1.65B | 2.06B | 2.43B | 4.25B | 4.27B | - | 4.44B | 4.64B | 4.41B | 4.19B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | 88.30M | 88.30M | 88.30M | 98.30M | 118.30M | - | - | - | 326.36M | 326.36M | 304.86M | 329.86M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | 326.36M | 326.36M | 304.86M | 329.86M |
| Total Equity | 784.04M | 701.49M | 687.92M | 681.04M | 693.22M | 694.70M | 709.24M | 778.58M | 795.61M | - | 698.66M | 679.52M | 594.03M | 671.27M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | 37.47M | 37.64M | 45.64M | 45.97M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | 119.97M | 154.35M | 207.82M | 290.03M | 1.49B | -273.83M | - | 222.73M | 87.95M | -247.09M | -18.79M |
| Investing Cash Flow | - | - | -34.16M | -80.76M | -104.74M | -266.77M | -263.36M | -175.99M | - | -328.15M | 16.73M | 307.03M | -116.04M |
| Financing Cash Flow | - | - | -52.78M | -70.21M | -49.36M | -14.29M | 7.96M | 65.92M | - | 89.67M | -21.11M | -28.85M | 13.20M |
| Capital Expenditure | - | - | - | - | - | - | -519.00K | -549.00K | - | -8.22M | -6.43M | -4.89M | -4.80M |
| Free Cash Flow | - | - | - | - | - | - | 1.49B | -274.38M | - | 214.51M | 81.52M | -251.97M | -23.59M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | -15.75M | 83.57M | 31.10M | -121.63M |
| Share Buybacks | 110.76M | - | 6.46M | 4.91M | 9.45M | 2.24M | 2.90M | 3.60M | 3.08M | 1.30M | - | - | - |
| Dividends Paid | - | 70.00M | 47.41M | 65.99M | 50.83M | 36.12M | 36.72M | 37.05M | 43.24M | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | 10.2% | 13.7% | -6.6% | 10.8% |
| Net Margin % | 17.4% | 10.2% | 10.6% | 12.7% | 5.3% | 7.2% | 4.2% | 0.7% | -28.4% | 4.7% | -13.3% | -11.5% | 6.9% |
| ROE % | 9.6% | 6.5% | 7.9% | 10.7% | 6.3% | 9.0% | 4.9% | 0.6% | - | 4.4% | -15.8% | -13.7% | 7.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
7.83%
Institutions
81.28%
Public Float
88.19%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Gallatin Point Capital LLC | 12.67% | 5.86M | $22.91M |
| 2 | Zimmer Partners, Lp | 9.93% | 4.59M | $17.95M |
| 3 | T. Rowe Price Investment Management, Inc. | 9.72% | 4.49M | $17.57M |
| 4 | Blackrock Inc. | 6.79% | 3.14M | $12.28M |
| 5 | Enstar Group Limited | 5.60% | 2.59M | $10.13M |
| 6 | Continental General Insurance Co | 5.45% | 2.52M | $9.85M |
| 7 | Donald Smith & Co., Inc. | 3.94% | 1.82M | $7.12M |
| 8 | Vanguard Capital Management LLC | 3.73% | 1.73M | $6.75M |
| 9 | RBF Capital, LLC | 2.44% | 1.13M | $4.41M |
| 10 | Geode Capital Management, LLC | 2.19% | 1.01M | $3.96M |
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