📊 JRVR Key Takeaways
Is JRVR a Good Investment? Thesis Analysis
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.
Why Buy 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
JRVR Investment Risks to Consider
- 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
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
JRVR Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
JRVR Profitability Ratios
JRVR vs Finance Sector
How James River Group Holdings, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is JRVR Overvalued or Undervalued?
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.
JRVR Balance Sheet & Liquidity
JRVR 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
JRVR Quarterly 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.
JRVR Capital Allocation
JRVR SEC 10-K & 10-Q Filing 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 an AI rating of SELL with 78% 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.
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%).
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 78% 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).