ASIC
Ategrity Specialty Holdings LLC
Insurance - Property & Casualty
Market Cap$943M
5Y Perf.-8.8%
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Stock Comparison
ASIC vs JRVR
Revenue, margins, valuation, and 5-year total return — side by side.
JRVR
James River Group Holdings, Ltd.
Insurance - Specialty
Market Cap$207M
5Y Perf.-23.1%
ASIC vs JRVR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ASIC | JRVR |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Specialty |
| Market Cap | $943M | $207M |
| Revenue (TTM) | $424M | $667M |
| Net Income (TTM) | $74M | $29M |
| Gross Margin | 50.0% | 27.4% |
| Operating Margin | 22.6% | 3.6% |
| Forward P/E | 10.1x | 4.1x |
| Total Debt | $0.00 | $330M |
| Cash & Equiv. | $30M | $261M |
ASIC vs JRVR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ASIC
JRVR
| Stock | Jun 25 | May 26 | Return |
|---|---|---|---|
| Ategrity Specialty … (ASIC) | 100 | 91.2 | -8.8% |
| James River Group H… (JRVR) | 100 | 76.9 | -23.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ASIC vs JRVR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ASIC leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. James River Group Holdings, Ltd. is the stronger pick specifically for valuation and capital efficiency and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
ASIC
Ategrity Specialty Holdings LLC
The Insurance Pick
ASIC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.31, yield 0.8%
- Rev growth 23.4%, EPS growth 66.7%
- -20.5% 10Y total return vs JRVR's -56.9%
Best for: income & stability and growth exposure
JRVR
James River Group Holdings, Ltd.
The Insurance Pick
JRVR is the clearest fit if your priority is value and momentum.
- Lower P/E (4.1x vs 10.1x)
- -5.7% vs ASIC's -20.5%
Best for: value and momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ASIC | 23.4% revenue growth vs JRVR's -2.8% |
| Value | JRVR | Lower P/E (4.1x vs 10.1x) |
| Quality / Margins | ASIC | Combined ratio 0.8 vs JRVR's 0.9 (lower = better underwriting) |
| Stability / Safety | ASIC | Beta 0.31 vs JRVR's 0.50 |
| Dividends | ASIC | 0.8% yield, 1-year raise streak, vs JRVR's 0.7% |
| Momentum (1Y) | JRVR | -5.7% vs ASIC's -20.5% |
| Efficiency (ROA) | ASIC | 5.4% ROA vs JRVR's 0.7%, ROIC 15.0% vs 5.9% |
ASIC vs JRVR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
ASIC vs JRVR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLASICLAGGINGJRVR
JRVRJames River Group Hol…
1leads
ASICAtegrity Specialty Ho…
5leads
6 Total Categories
CATEGORYLEADERvs JRVRMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ASIC4/4
Valuation MetricsMultiples, price ratios, and targets
JRVR5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ASIC8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
ASIC5/6
Risk & VolatilityBeta, volatility, and downside exposure
ASIC2/2
Analyst OutlookRatings, price targets, and dividends
ASIC2/2
Income & Cash Flow (Last 12 Months)
ASIC leads this category, winning 4 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
JRVR is the larger business by revenue, generating $667M annually — 1.6x ASIC's $424M. ASIC is the more profitable business, keeping 17.4% of every revenue dollar as net income compared to JRVR's 4.3%.
| Metric | ASICAtegrity Specialt… | JRVRJames River Group… |
|---|---|---|
| RevenueTrailing 12 months | $424M | $667M |
| EBITDAEarnings before interest/tax | $97M | $25M |
| Net IncomeAfter-tax profit | $74M | $29M |
| Free Cash FlowCash after capex | $100M | $29M |
| Gross MarginGross profit ÷ Revenue | +50.0% | +27.4% |
| Operating MarginEBIT ÷ Revenue | +22.6% | +3.6% |
| Net MarginNet income ÷ Revenue | +17.4% | +4.3% |
| FCF MarginFCF ÷ Revenue | +23.5% | +4.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | -12.1% |
| EPS Growth (YoY)Latest quarter vs prior year | — | -2.8% |
ASIC leads this category, winning 4 of 4 comparable metrics.
Valuation Metrics
JRVR leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 5.7x trailing earnings, JRVR trades at a 53% valuation discount to ASIC's 12.3x P/E. On an enterprise value basis, JRVR's 5.5x EV/EBITDA is more attractive than ASIC's 9.4x.
| Metric | ASICAtegrity Specialt… | JRVRJames River Group… |
|---|---|---|
| Market CapShares × price | $943M | $207M |
| Enterprise ValueMkt cap + debt − cash | $913M | $276M |
| Trailing P/EPrice ÷ TTM EPS | 12.26x | 5.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.10x | 4.10x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.15x |
| EV / EBITDAEnterprise value multiple | 9.39x | 5.54x |
| Price / SalesMarket cap ÷ Revenue | 2.22x | 0.30x |
| Price / BookPrice ÷ Book value/share | 1.48x | 0.40x |
| Price / FCFMarket cap ÷ FCF | 6.70x | — |
JRVR leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
ASIC leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
ASIC delivers a 13.5% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $5 for JRVR. On the Piotroski fundamental quality scale (0–9), ASIC scores 6/9 vs JRVR's 5/9, reflecting solid financial health.
| Metric | ASICAtegrity Specialt… | JRVRJames River Group… |
|---|---|---|
| ROE (TTM)Return on equity | +13.5% | +4.7% |
| ROA (TTM)Return on assets | +5.4% | +0.7% |
| ROICReturn on invested capital | +15.0% | +5.9% |
| ROCEReturn on capital employed | +18.7% | +4.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | — | 0.49x |
| Net DebtTotal debt minus cash | -$30M | $69M |
| Cash & Equiv.Liquid assets | $30M | $261M |
| Total DebtShort + long-term debt | $0 | $330M |
| Interest CoverageEBIT ÷ Interest expense | 71.63x | 1.78x |
ASIC leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
ASIC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ASIC five years ago would be worth $7,950 today (with dividends reinvested), compared to $1,757 for JRVR. Over the past 12 months, JRVR leads with a -5.7% total return vs ASIC's -20.5%. The 3-year compound annual growth rate (CAGR) favors ASIC at -7.4% vs JRVR's -38.8% — a key indicator of consistent wealth creation.
| Metric | ASICAtegrity Specialt… | JRVRJames River Group… |
|---|---|---|
| YTD ReturnYear-to-date | -2.7% | -26.7% |
| 1-Year ReturnPast 12 months | -20.5% | -5.7% |
| 3-Year ReturnCumulative with dividends | -20.5% | -77.1% |
| 5-Year ReturnCumulative with dividends | -20.5% | -82.4% |
| 10-Year ReturnCumulative with dividends | -20.5% | -56.9% |
| CAGR (3Y)Annualised 3-year return | -7.4% | -38.8% |
ASIC leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
ASIC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
ASIC is the less volatile stock with a 0.31 beta — it tends to amplify market swings less than JRVR's 0.50 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ASIC currently trades 77.5% from its 52-week high vs JRVR's 62.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ASICAtegrity Specialt… | JRVRJames River Group… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.31x | 0.50x |
| 52-Week HighHighest price in past year | $25.30 | $7.20 |
| 52-Week LowLowest price in past year | $16.35 | $4.42 |
| % of 52W HighCurrent price vs 52-week peak | +77.5% | +62.6% |
| RSI (14)Momentum oscillator 0–100 | 41.6 | 16.6 |
| Avg Volume (50D)Average daily shares traded | 92K | 290K |
ASIC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
ASIC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates ASIC as "Buy" and JRVR as "Buy". Consensus price targets imply 55.4% upside for JRVR (target: $7) vs 30.0% for ASIC (target: $26). For income investors, ASIC offers the higher dividend yield at 0.76% vs JRVR's 0.74%.
| Metric | ASICAtegrity Specialt… | JRVRJames River Group… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $25.50 | $7.00 |
| # AnalystsCovering analysts | 4 | 13 |
| Dividend YieldAnnual dividend ÷ price | +0.8% | +0.7% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.15 | $0.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | 0.0% |
ASIC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
ASIC leads in 5 of 6 categories (Income & Cash Flow, Profitability & Efficiency). JRVR leads in 1 (Valuation Metrics).
Best OverallAtegrity Specialty Holdings… (ASIC)Leads 5 of 6 categories
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ASIC vs JRVR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ASIC or JRVR a better buy right now?
For growth investors, Ategrity Specialty Holdings LLC (ASIC) is the stronger pick with 23.
4% revenue growth year-over-year, versus -2. 8% for James River Group Holdings, Ltd. (JRVR). James River Group Holdings, Ltd. (JRVR) offers the better valuation at 5. 7x trailing P/E (4. 1x forward), making it the more compelling value choice. Analysts rate Ategrity Specialty Holdings LLC (ASIC) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — ASIC or JRVR?
On trailing P/E, James River Group Holdings, Ltd.
(JRVR) is the cheapest at 5. 7x versus Ategrity Specialty Holdings LLC at 12. 3x. On forward P/E, James River Group Holdings, Ltd. is actually cheaper at 4. 1x.
03Which is the better long-term investment — ASIC or JRVR?
Over the past 5 years, Ategrity Specialty Holdings LLC (ASIC) delivered a total return of -20.
5%, compared to -82. 4% for James River Group Holdings, Ltd. (JRVR). Over 10 years, the gap is even starker: ASIC returned -20. 5% versus JRVR's -56. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — ASIC or JRVR?
By beta (market sensitivity over 5 years), Ategrity Specialty Holdings LLC (ASIC) is the lower-risk stock at 0.
31β versus James River Group Holdings, Ltd. 's 0. 50β — meaning JRVR is approximately 61% more volatile than ASIC relative to the S&P 500.
05Which is growing faster — ASIC or JRVR?
By revenue growth (latest reported year), Ategrity Specialty Holdings LLC (ASIC) is pulling ahead at 23.
4% versus -2. 8% for James River Group Holdings, Ltd. (JRVR). On earnings-per-share growth, the picture is similar: James River Group Holdings, Ltd. grew EPS 125. 8% year-over-year, compared to 66. 7% for Ategrity Specialty Holdings LLC. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — ASIC or JRVR?
Ategrity Specialty Holdings LLC (ASIC) is the more profitable company, earning 17.
4% net margin versus 6. 9% for James River Group Holdings, Ltd. — meaning it keeps 17. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ASIC leads at 22. 6% versus 7. 4% for JRVR. At the gross margin level — before operating expenses — ASIC leads at 50. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is ASIC or JRVR more undervalued right now?
On forward earnings alone, James River Group Holdings, Ltd.
(JRVR) trades at 4. 1x forward P/E versus 10. 1x for Ategrity Specialty Holdings LLC — 6. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for JRVR: 55. 4% to $7. 00.
08Which pays a better dividend — ASIC or JRVR?
All stocks in this comparison pay dividends.
Ategrity Specialty Holdings LLC (ASIC) offers the highest yield at 0. 8%, versus 0. 7% for James River Group Holdings, Ltd. (JRVR).
09Is ASIC or JRVR better for a retirement portfolio?
For long-horizon retirement investors, Ategrity Specialty Holdings LLC (ASIC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
31), 0. 8% yield). Both have compounded well over 10 years (ASIC: -20. 5%, JRVR: -56. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between ASIC and JRVR?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: ASIC is a small-cap high-growth stock; JRVR is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(ASIC: 23.4% · JRVR: -12.1%)Net Margin>
%
(ASIC: 17.4% · JRVR: 4.3%)P/E Ratio<
x
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