📊 JRVR Key Takeaways
Is James River Group Holdings, Inc. (JRVR) a Good Investment?
James River Group exhibits a critical disconnect between positive accounting earnings and negative operational cash generation, with operating cash flow of -$18.8M and free cash flow of -$23.6M indicating underwriting losses exceeding premium income. While the strong balance sheet (Debt/Equity 0.18x) and recent net income growth provide a financial cushion, the sustained negative cash burn in an insurance business signals deteriorating underwriting fundamentals that are unsustainable without strategic intervention.
JRVR’s earnings have rebounded with positive operating and net margins, and leverage remains modest with cash exceeding long-term debt. However, the revenue decline, negative operating/free cash flow, and thin interest coverage suggest earnings quality and durability remain uncertain. Maintain a neutral stance until underwriting profitability and cash generation show consistent improvement.
Why Buy James River Group Holdings, Inc. Stock? JRVR Key Strengths
- Conservative leverage with Debt/Equity ratio of 0.18x and $260.9M cash position
- Strong net income growth of 19.9% YoY and exceptional EPS growth of 125.8% YoY
- Solid operating margin of 7.4% and net margin of 6.9% for insurance sector
- Earnings rebound with 6.9% net margin and strong EPS growth
- Conservative balance sheet: 0.18x D/E, cash > debt
- ROE of 8.8% supported by 7.4% operating margin
JRVR Stock Risks: James River Group Holdings, Inc. Investment Risks
- Critical cash flow deterioration with negative operating cash flow of -$18.8M and free cash flow of -$23.6M indicating non-viable underwriting economics
- Revenue contraction of 2.8% YoY combined with low capital efficiency (ROE 8.8%, ROA 1.0%)
- Weak interest coverage ratio of 2.1x limits financial flexibility and debt service cushion
- Negative operating and free cash flow signaling weak cash conversion
- Low interest coverage (2.1x) leaves limited cushion
- Revenue contraction and potential underwriting/reserve volatility
Key Metrics to Watch
- Operating cash flow trend and underwriting profitability by line
- Combined ratio and loss reserve adequacy
- Cash burn rate sustainability relative to $260.9M cash position
- Combined ratio (incl. reserve development)
- Operating cash flow trend
James River Group Holdings, Inc. (JRVR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
JRVR Profit Margin, ROE & Profitability Analysis
JRVR vs Finance Sector: How James River Group Holdings, Inc. Compares
How James River Group Holdings, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is James River Group Holdings, Inc. Stock Overvalued? JRVR Valuation Analysis 2026
Based on fundamental analysis, James River Group Holdings, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
James River Group Holdings, Inc. Balance Sheet: JRVR Debt, Cash & Liquidity
JRVR Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: James River Group Holdings, Inc.'s revenue has declined by 10% over the 5-year period, indicating business contraction. The most recent EPS of $-3.13 indicates the company is currently unprofitable.
JRVR Revenue Growth, EPS Growth & YoY Performance
JRVR Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $172.7M | $1.0M | $-0.02 |
| Q2 2025 | $174.8M | $4.8M | $0.06 |
| Q1 2025 | $172.3M | $9.6M | $0.16 |
| Q3 2024 | $191.5M | -$16.4M | $0.45 |
| Q2 2024 | $188.3M | $7.6M | $0.13 |
| Q1 2024 | $191.7M | $9.6M | $0.18 |
| Q3 2023 | $201.2M | -$4.6M | $0.19 |
| Q2 2023 | $184.8M | $7.7M | $0.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
James River Group Holdings, Inc. Dividends, Buybacks & Capital Allocation
JRVR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for James River Group Holdings, Inc. (CIK: 0001620459)
📋 Recent SEC Filings
❓ Frequently Asked Questions about JRVR
What is the AI rating for JRVR?
James River Group Holdings, Inc. (JRVR) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are JRVR's key strengths?
Claude: Conservative leverage with Debt/Equity ratio of 0.18x and $260.9M cash position. Strong net income growth of 19.9% YoY and exceptional EPS growth of 125.8% YoY. ChatGPT: Earnings rebound with 6.9% net margin and strong EPS growth. Conservative balance sheet: 0.18x D/E, cash > debt.
What are the risks of investing in JRVR?
Claude: Critical cash flow deterioration with negative operating cash flow of -$18.8M and free cash flow of -$23.6M indicating non-viable underwriting economics. Revenue contraction of 2.8% YoY combined with low capital efficiency (ROE 8.8%, ROA 1.0%). ChatGPT: Negative operating and free cash flow signaling weak cash conversion. Low interest coverage (2.1x) leaves limited cushion.
What is JRVR's revenue and growth?
James River Group Holdings, Inc. reported revenue of $687.6M.
Does JRVR pay dividends?
James River Group Holdings, Inc. pays dividends, with $2.0M distributed to shareholders in the trailing twelve months.
Where can I find JRVR SEC filings?
Official SEC filings for James River Group Holdings, Inc. (CIK: 0001620459) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is JRVR's EPS?
James River Group Holdings, Inc. has a diluted EPS of $0.79.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is JRVR a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, James River Group Holdings, Inc. has a SELL rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is JRVR stock overvalued or undervalued?
Valuation metrics for JRVR: ROE of 8.8% (sector avg: 12%), net margin of 6.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy JRVR stock in 2026?
Our dual AI analysis gives James River Group Holdings, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is JRVR's free cash flow?
James River Group Holdings, Inc.'s operating cash flow is $-18.8M, with capital expenditures of $4.8M. FCF margin is -3.4%.
How does JRVR compare to other Finance stocks?
Vs Finance sector averages: Net margin 6.9% (avg: 25%), ROE 8.8% (avg: 12%), current ratio N/A (avg: 1.2).