JRVR
James River Group Holdings, Ltd.
Insurance - Specialty
Market Cap$198M
5Y Perf.-88.9%
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Stock Comparison
JRVR vs ACGL vs MKL vs HIG
Revenue, margins, valuation, and 5-year total return — side by side.
ACGL
Arch Capital Group Ltd.
Insurance - Diversified
Market Cap$33.67B
5Y Perf.+234.9%
MKL
Markel Corporation
Insurance - Property & Casualty
Market Cap$22.52B
5Y Perf.+100.6%
HIG
The Hartford Financial Services Group, Inc.
Insurance - Diversified
Market Cap$36.49B
5Y Perf.+246.5%
JRVR vs ACGL vs MKL vs HIG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | JRVR | ACGL | MKL | HIG |
|---|---|---|---|---|
| Industry | Insurance - Specialty | Insurance - Diversified | Insurance - Property & Casualty | Insurance - Diversified |
| Market Cap | $198M | $33.67B | $22.52B | $36.49B |
| Revenue (TTM) | $667M | $19.93B | $16.57B | $28.76B |
| Net Income (TTM) | $29M | $4.40B | $1.77B | $4.06B |
| Gross Margin | 27.4% | 37.2% | 61.4% | 35.8% |
| Operating Margin | 3.6% | 25.0% | 13.9% | 13.8% |
| Forward P/E | 3.9x | 10.1x | 16.0x | 10.1x |
| Total Debt | $330M | $2.73B | $4.30B | $4.37B |
| Cash & Equiv. | $261M | $993M | $3.96B | $133M |
JRVR vs ACGL vs MKL vs HIG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
JRVR
ACGL
MKL
HIG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| James River Group H… (JRVR) | 100 | 11.1 | -88.9% |
| Arch Capital Group … (ACGL) | 100 | 334.9 | +234.9% |
| Markel Corporation (MKL) | 100 | 200.6 | +100.6% |
| The Hartford Financ… (HIG) | 100 | 346.5 | +246.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: JRVR vs ACGL vs MKL vs HIG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ACGL leads in 4 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. MKL and HIG also each lead in at least one category. As sector peers, any of these can serve as alternatives in the same allocation.
JRVR
James River Group Holdings, Ltd.
The Insurance Pick
JRVR is the #2 pick in this set and the best alternative if valuation efficiency is your priority.
- PEG 0.10 vs MKL's 0.64
- Lower P/E (3.9x vs 10.1x), PEG 0.10 vs 0.44
Best for: valuation efficiency
ACGL
Arch Capital Group Ltd.
The Insurance Pick
ACGL carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 14.3%, EPS growth 3.8%, 3Y rev CAGR 27.3%
- 324.0% 10Y total return vs HIG's 233.5%
- Lower volatility, beta 0.02, Low D/E 11.3%, current ratio 1.21x
- 14.3% revenue growth vs JRVR's -2.8%
Best for: growth exposure and long-term compounding
MKL
Markel Corporation
The Insurance Pick
MKL is the clearest fit if your priority is dividends.
- 2.7% yield, 6-year raise streak, vs HIG's 1.6%
Best for: dividends
HIG
The Hartford Financial Services Group, Inc.
The Insurance Pick
HIG is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 15 yrs, beta 0.29, yield 1.6%
- Beta 0.29, yield 1.6%, current ratio 17.65x
- +5.6% vs JRVR's -9.6%
Best for: income & stability and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ACGL | 14.3% revenue growth vs JRVR's -2.8% |
| Value | JRVR | Lower P/E (3.9x vs 10.1x), PEG 0.10 vs 0.44 |
| Quality / Margins | ACGL | Combined ratio 0.8 vs JRVR's 0.9 (lower = better underwriting) |
| Stability / Safety | ACGL | Beta 0.02 vs JRVR's 0.50, lower leverage |
| Dividends | MKL | 2.7% yield, 6-year raise streak, vs HIG's 1.6% |
| Momentum (1Y) | HIG | +5.6% vs JRVR's -9.6% |
| Efficiency (ROA) | ACGL | 5.9% ROA vs JRVR's 0.7%, ROIC 15.4% vs 5.9% |
JRVR vs ACGL vs MKL vs HIG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FY 2024
FY 2022
JRVR vs ACGL vs MKL vs HIG — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJRVRLAGGINGHIG
Who Leads Where
ACGL leads in 1 of 6 categories
JRVR leads 1 • MKL leads 0 • HIG leads 0 • 4 tied
Explore the data ↓HIGThe Hartford Financia…
0leads
MKLMarkel Corporation
0leads
ACGLArch Capital Group Lt…
1leads
JRVRJames River Group Hol…
1leads
6 Total Categories
CATEGORYLEADERvs ACGLvs MKLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ACGL4/6
Valuation MetricsMultiples, price ratios, and targets
JRVR6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
ACGL leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
HIG is the larger business by revenue, generating $28.8B annually — 43.1x JRVR's $667M. ACGL is the more profitable business, keeping 22.1% of every revenue dollar as net income compared to JRVR's 4.3%. On growth, ACGL holds the edge at +7.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | JRVRJames River Group… | ACGLArch Capital Grou… | MKLMarkel Corporation | HIGThe Hartford Fina… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $667M | $19.9B | $16.6B | $28.8B |
| EBITDAEarnings before interest/tax | $25M | $5.2B | $2.5B | $4.3B |
| Net IncomeAfter-tax profit | $29M | $4.4B | $1.8B | $4.1B |
| Free Cash FlowCash after capex | $29M | $6.1B | $2.2B | $5.8B |
| Gross MarginGross profit ÷ Revenue | +27.4% | +37.2% | +61.4% | +35.8% |
| Operating MarginEBIT ÷ Revenue | +3.6% | +25.0% | +13.9% | +13.8% |
| Net MarginNet income ÷ Revenue | +4.3% | +22.1% | +10.7% | +14.1% |
| FCF MarginFCF ÷ Revenue | +4.4% | +30.7% | +13.2% | +20.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -12.1% | +7.3% | +6.7% | +6.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -2.8% | +39.0% | -2.6% | +40.9% |
ACGL leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
JRVR leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 5.4x trailing earnings, JRVR trades at a 49% valuation discount to MKL's 10.6x P/E. Adjusting for growth (PEG ratio), JRVR offers better value at 0.14x vs HIG's 0.44x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | JRVRJames River Group… | ACGLArch Capital Grou… | MKLMarkel Corporation | HIGThe Hartford Fina… |
|---|---|---|---|---|
| Market CapShares × price | $198M | $33.7B | $22.5B | $36.5B |
| Enterprise ValueMkt cap + debt − cash | $267M | $35.4B | $22.9B | $40.7B |
| Trailing P/EPrice ÷ TTM EPS | 5.44x | 8.13x | 10.64x | 9.96x |
| Forward P/EPrice ÷ next-FY EPS est. | 3.91x | 10.05x | 15.99x | 10.06x |
| PEG RatioP/E ÷ EPS growth rate | 0.14x | 0.29x | 0.43x | 0.44x |
| EV / EBITDAEnterprise value multiple | 5.35x | 6.85x | 7.78x | 7.90x |
| Price / SalesMarket cap ÷ Revenue | 0.29x | 1.69x | 1.36x | 1.29x |
| Price / BookPrice ÷ Book value/share | 0.38x | 1.47x | 1.20x | 2.00x |
| Price / FCFMarket cap ÷ FCF | — | 5.50x | 8.82x | 6.34x |
JRVR leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
Evenly matched — ACGL and HIG each lead in 3 of 9 comparable metrics.
Profitability & Efficiency
HIG delivers a 22.0% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $5 for JRVR. ACGL carries lower financial leverage with a 0.11x debt-to-equity ratio, signaling a more conservative balance sheet compared to JRVR's 0.49x. On the Piotroski fundamental quality scale (0–9), HIG scores 9/9 vs JRVR's 5/9, reflecting strong financial health.
| Metric | JRVRJames River Group… | ACGLArch Capital Grou… | MKLMarkel Corporation | HIGThe Hartford Fina… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +4.7% | +19.0% | +9.6% | +22.0% |
| ROA (TTM)Return on assets | +0.7% | +5.9% | +3.0% | +4.8% |
| ROICReturn on invested capital | +5.9% | +15.4% | +10.7% | +16.3% |
| ROCEReturn on capital employed | +4.3% | +11.6% | +14.9% | +5.7% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.49x | 0.11x | 0.23x | 0.23x |
| Net DebtTotal debt minus cash | $69M | $1.7B | $339M | $4.2B |
| Cash & Equiv.Liquid assets | $261M | $993M | $4.0B | $133M |
| Total DebtShort + long-term debt | $330M | $2.7B | $4.3B | $4.4B |
| Interest CoverageEBIT ÷ Interest expense | 1.78x | 34.86x | 12.00x | 20.73x |
Evenly matched — ACGL and HIG each lead in 3 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — ACGL and HIG each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ACGL five years ago would be worth $24,398 today (with dividends reinvested), compared to $1,565 for JRVR. Over the past 12 months, HIG leads with a +5.6% total return vs JRVR's -9.6%. The 3-year compound annual growth rate (CAGR) favors HIG at 25.3% vs JRVR's -39.7% — a key indicator of consistent wealth creation.
| Metric | JRVRJames River Group… | ACGLArch Capital Grou… | MKLMarkel Corporation | HIGThe Hartford Fina… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | -30.0% | +0.7% | -15.5% | -2.8% |
| 1-Year ReturnPast 12 months | -9.6% | +2.0% | -4.1% | +5.6% |
| 3-Year ReturnCumulative with dividends | -78.1% | +30.7% | +31.0% | +96.9% |
| 5-Year ReturnCumulative with dividends | -84.3% | +144.0% | +47.5% | +112.7% |
| 10-Year ReturnCumulative with dividends | -58.2% | +324.0% | +89.3% | +233.5% |
| CAGR (3Y)Annualised 3-year return | -39.7% | +9.3% | +9.4% | +25.3% |
Evenly matched — ACGL and HIG each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — ACGL and HIG each lead in 1 of 2 comparable metrics.
Risk & Volatility
ACGL is the less volatile stock with a 0.02 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. HIG currently trades 91.8% from its 52-week high vs JRVR's 59.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JRVRJames River Group… | ACGLArch Capital Grou… | MKLMarkel Corporation | HIGThe Hartford Fina… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.50x | 0.02x | 0.44x | 0.29x |
| 52-Week HighHighest price in past year | $7.20 | $103.39 | $2207.59 | $144.50 |
| 52-Week LowLowest price in past year | $4.29 | $82.45 | $1719.41 | $119.61 |
| % of 52W HighCurrent price vs 52-week peak | +59.7% | +91.4% | +81.5% | +91.8% |
| RSI (14)Momentum oscillator 0–100 | 15.4 | 46.3 | 34.5 | 41.4 |
| Avg Volume (50D)Average daily shares traded | 296K | 1.9M | 59K | 1.4M |
Evenly matched — ACGL and HIG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — MKL and HIG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: JRVR as "Buy", ACGL as "Buy", MKL as "Hold", HIG as "Buy". Consensus price targets imply 62.8% upside for JRVR (target: $7) vs 8.3% for MKL (target: $1950). For income investors, MKL offers the higher dividend yield at 2.70% vs JRVR's 0.77%.
| Metric | JRVRJames River Group… | ACGLArch Capital Grou… | MKLMarkel Corporation | HIGThe Hartford Fina… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Hold | Buy |
| Price TargetConsensus 12-month target | $7.00 | $104.00 | $1950.00 | $152.00 |
| # AnalystsCovering analysts | 13 | 34 | 15 | 42 |
| Dividend YieldAnnual dividend ÷ price | +0.8% | +0.0% | +2.7% | +1.6% |
| Dividend StreakConsecutive years of raises | 0 | 0 | 6 | 15 |
| Dividend / ShareAnnual DPS | $0.03 | $0.02 | $48.55 | $2.07 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +5.6% | +1.9% | +4.4% |
Evenly matched — MKL and HIG each lead in 1 of 2 comparable metrics.
Key Takeaway
ACGL leads in 1 of 6 categories (Income & Cash Flow). JRVR leads in 1 (Valuation Metrics). 4 tied.
Best OverallJames River Group Holdings,… (JRVR)Leads 1 of 6 categories
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JRVR vs ACGL vs MKL vs HIG: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is JRVR or ACGL or MKL or HIG a better buy right now?
For growth investors, Arch Capital Group Ltd.
(ACGL) is the stronger pick with 14. 3% 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. 4x trailing P/E (3. 9x forward), making it the more compelling value choice. Analysts rate James River Group Holdings, Ltd. (JRVR) a "Buy" — based on 13 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 — JRVR or ACGL or MKL or HIG?
On trailing P/E, James River Group Holdings, Ltd.
(JRVR) is the cheapest at 5. 4x versus Markel Corporation at 10. 6x. On forward P/E, James River Group Holdings, Ltd. is actually cheaper at 3. 9x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: James River Group Holdings, Ltd. wins at 0. 10x versus Markel Corporation's 0. 64x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — JRVR or ACGL or MKL or HIG?
Over the past 5 years, Arch Capital Group Ltd.
(ACGL) delivered a total return of +144. 0%, compared to -84. 3% for James River Group Holdings, Ltd. (JRVR). Over 10 years, the gap is even starker: ACGL returned +324. 0% versus JRVR's -58. 2%. 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 — JRVR or ACGL or MKL or HIG?
By beta (market sensitivity over 5 years), Arch Capital Group Ltd.
(ACGL) is the lower-risk stock at 0. 02β versus James River Group Holdings, Ltd. 's 0. 50β — meaning JRVR is approximately 3161% more volatile than ACGL relative to the S&P 500. On balance sheet safety, Arch Capital Group Ltd. (ACGL) carries a lower debt/equity ratio of 11% versus 49% for James River Group Holdings, Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — JRVR or ACGL or MKL or HIG?
By revenue growth (latest reported year), Arch Capital Group Ltd.
(ACGL) is pulling ahead at 14. 3% 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 -15. 1% for Markel Corporation. Over a 3-year CAGR, ACGL leads at 27. 3% annualised revenue growth. 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 — JRVR or ACGL or MKL or HIG?
Arch Capital Group Ltd.
(ACGL) is the more profitable company, earning 22. 1% net margin versus 6. 9% for James River Group Holdings, Ltd. — meaning it keeps 22. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ACGL leads at 25. 0% versus 7. 4% for JRVR. At the gross margin level — before operating expenses — MKL leads at 69. 4%, 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 JRVR or ACGL or MKL or HIG more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, James River Group Holdings, Ltd. (JRVR) is the more undervalued stock at a PEG of 0. 10x versus Markel Corporation's 0. 64x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, James River Group Holdings, Ltd. (JRVR) trades at 3. 9x forward P/E versus 16. 0x for Markel Corporation — 12. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for JRVR: 62. 8% to $7. 00.
08Which pays a better dividend — JRVR or ACGL or MKL or HIG?
In this comparison, MKL (2.
7% yield), HIG (1. 6% yield), JRVR (0. 8% yield) pay a dividend. ACGL does not pay a meaningful dividend and should not be held primarily for income.
09Is JRVR or ACGL or MKL or HIG better for a retirement portfolio?
For long-horizon retirement investors, The Hartford Financial Services Group, Inc.
(HIG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 29), 1. 6% yield, +233. 5% 10Y return). Both have compounded well over 10 years (HIG: +233. 5%, JRVR: -58. 2%), 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 JRVR and ACGL and MKL and HIG?
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.
JRVR, MKL, HIG pay a dividend while ACGL does not, making them suitable for different income and tax situations. 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>
%
(JRVR: -12.1% · ACGL: 7.3%)Net Margin>
%
(JRVR: 4.3% · ACGL: 22.1%)P/E Ratio<
x
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