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James River Group Holdings, Ltd.(JRVR)Earnings, Financials & Key Ratios
JRVR•NASDAQ•Insurance & Managed Care
$4.56
5.8× P/E·Price updated Jul 7, 2026
AboutJames River Group Holdings, Ltd., through its subsidiaries, provides specialty insurance and reinsurance services in the United States. It operates through Excess and Surplus Lines, Specialty Admitted Insurance, and Casualty Reinsurance segments. The Excess and Surplus Lines segment underwrites liability and property insurance on an excess and surplus commercial lines basis in all states and the District of Columbia. This segment distributes its insurance policies primarily through wholesale insurance brokers. The Specialty Admitted Insurance segment provides workers' compensation coverage for building trades, healthcare employees, goods and services, light manufacturing, specialty transportation, and agriculture, as well as fronting and program business. The Casualty Reinsurance segment offers proportional and working layer casualty reinsurance to third parties and other insurance companies. James River Group Holdings, Ltd. was founded in 2002 and is headquartered in Pembroke, Bermuda.Show more
- Revenue$688M-2.8%
- Combined Ratio92.65%-15.8%
- Net Income$47M+158.5%
- Return on Equity7.5%+158.8%
- Medical Cost Ratio71.65%-18.3%
- Operating Margin7.35%+173.1%
- Net Margin6.9%+160.2%
- ROA0.96%+161.2%
- Equity / Assets13.81%+16.4%
JRVR Price & Volume
James River Group Holdings, Ltd. (JRVR) stock price & volume — 10-year historical chart
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Persistent Underwriting Volatility Strains Capital Base
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Persistent reserve development volatility
Key Thesis Takeaways
- James River Group is currently navigating a difficult structural pivot characterized by portfolio de-risking and the divestiture of non-core segments.
- While the company attempts to stabilize its underwriting performance, persistent legacy reserve adjustments and a combined ratio of 107.0% in 2026Q1 suggest that operational profitability remains elusive.
- Investors should remain cautious as the erosion of the equity base to $518.4 million and the reliance on investment liquidations to meet claims obligations highlight significant ongoing solvency and liquidity risks.
Verdict Logic
the company's inability to maintain underwriting profitability, evidenced by a 107.0% combined ratio in 2026Q1, combined with a shrinking equity base, presents an unfavorable risk-reward profile.
JRVR Growth Metrics
James River Group Holdings, Ltd. (JRVR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years3.14%
5 Years0.56%
3 Years1.3%
TTM-1.78%
Profit CAGR
10 Years-1.2%
5 Years57.95%
3 Years15.26%
TTM133.27%
EPS CAGR
10 Years-8.01%
5 Years37.63%
3 Years10.22%
TTM110.01%
Return on Capital
10 Years1.33%
5 Years0.7%
3 Years1.52%
Last Year4.29%
JRVR Recent Earnings
James River Group Holdings, Ltd. (JRVR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
May 4, 2026Metric
Actual
Est
EPS
$0.12-55.4%
$0.27
Rev
$136M-12.5%
$155M
Q2 2026
Mar 2, 2026Metric
Actual
Est
EPS
$0.30-3.2%
$0.31
Rev
$147M-4.1%
$154M
Q4 2025
Nov 3, 2025Metric
Actual
Est
EPS
$0.32+23.1%
$0.26
Rev
$173M+0.4%
$172M
Q3 2025
Aug 4, 2025Metric
Actual
Est
EPS
$0.23+4.5%
$0.22
Rev
$175M-2.4%
$179M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 4, 2026 | $0.12vs $0.27-55.4% | $136Mvs $155M-12.5% |
| Q2 2026 | Mar 2, 2026 | $0.30vs $0.31-3.2% | $147Mvs $154M-4.1% |
| Q4 2025 | Nov 3, 2025 | $0.32vs $0.26+23.1% | $173Mvs $172M+0.4% |
| Q3 2025 | Aug 4, 2025 | $0.23vs $0.22+4.5% | $175Mvs $179M-2.4% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for James River Group Holdings, Ltd. (JRVR)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $4.56 | $209.62M | 5.77 | -2.83% | 6.9% | 7.5% | 0.73% | |
| $102.85 | $35.93B | 8.85 | 14.27% | 24.73% | 20.48% | — | |
| $62.12 | $5.71B | 14.25 | 6.33% | 20.8% | 22% | — | |
| $348.73 | $8.07B | 16.11 | 18.04% | 27.48% | 28.05% | — | |
| $62.41 | $2.53B | 15.33 | 23.18% | 11.95% | 17.78% | — | |
| $145.29 | $3.85B | 20.26 | 58.16% | 20.15% | 21.74% | — |
Compare JRVR vs Peers
James River Group Holdings, Ltd. (JRVR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
JRVR SEC Filings & Documents
James River Group Holdings, Ltd. (JRVR) SEC filings — annual & quarterly reports (10-K, 10-Q)
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JRVR Frequently Asked Questions
James River Group Holdings, Ltd. (JRVR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is James River Group Holdings, Ltd. growing?
James River Group Holdings, Ltd. (JRVR) saw revenue decline by 2.8% over the past year.
Is JRVR profitable?
Yes, James River Group Holdings, Ltd. (JRVR) is profitable, generating $28.9M in net income for fiscal year 2025 (6.9% net margin).
Dividend & Returns
Does JRVR pay dividends?
Yes, James River Group Holdings, Ltd. (JRVR) pays a dividend with a yield of 0.73%. This makes it attractive for income-focused investors.
What is JRVR's return on equity?
James River Group Holdings, Ltd. (JRVR) has a return on equity (ROE) of 7.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is James River Group Holdings, Ltd.'s combined ratio?
James River Group Holdings, Ltd. (JRVR) has a combined ratio of 92.6%. A ratio below 100% indicates underwriting profitability.