8-K Announcements
6May 4, 2026·SEC
Apr 14, 2026·SEC
Mar 27, 2026·SEC
James River Group Holdings, Ltd. (JRVR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
James River Group Holdings, Ltd. (JRVR) stock price & volume — 10-year historical chart
James River Group Holdings, Ltd. (JRVR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
James River Group Holdings, Ltd. (JRVR) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
James River Group Holdings, Ltd. (JRVR) competitors in Specialty Commercial P&C Carriers — business model, growth, and fundamentals comparison
James River Group Holdings, Ltd. (JRVR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
James River Group Holdings, Ltd. (JRVR) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 817.63M | 885.6M | 907.13M | 668.69M | 609.03M | 661.51M | 812.01M | 707.63M | 687.61M | 666.71M |
| Revenue Growth % | 39.47% | 8.31% | 2.43% | -26.28% | -8.92% | 8.62% | 22.75% | -12.85% | -2.83% | -1.78% |
| Medical Costs & Claims | 671.38M | 711.38M | 756M | 554.12M | 614.06M | 490.45M | 572.79M | 620.33M | 492.64M | 483.74M |
| Medical Cost Ratio % | 82.11% | 80.33% | 83.34% | 82.87% | 100.83% | 74.14% | 70.54% | 87.66% | 71.65% | 72.56% |
| Gross Profit | 146.25M▲ 0% | 174.22M▲ 19.1% | 151.13M▼ 13.3% | 114.57M▼ 24.2% | -5.03M▼ 104.4% | 171.06M▲ 3504.2% | 239.22M▲ 39.8% | 87.29M▼ 63.5% | 194.97M▲ 123.4% | 182.97M▲ 0% |
| Gross Margin % | 17.89% | 19.67% | 16.66% | 17.13% | -0.83% | 25.86% | 29.46% | 12.34% | 28.35% | 27.44% |
| Gross Profit Growth % | -8.13% | 19.13% | -13.25% | -24.19% | -104.39% | 3504.24% | 39.84% | -63.51% | 123.35% | - |
| Operating Expenses | 91.1M | 103.38M | 99.26M | 102.63M | 103.11M | 117.79M | 152.31M | 158.41M | 144.43M | 159.07M |
| OpEx / Revenue % | 11.14% | 11.67% | 10.94% | 15.35% | 16.93% | 17.81% | 18.76% | 22.39% | 21% | 23.86% |
| Depreciation & Amortization | 2.12M | 4.21M | 4.06M | 5.02M | 4.71M | 1.05M | -475K | -709K | -717K | 793K |
| Combined Ratio % | 93.26% | 92% | 94.28% | 98.21% | 117.75% | 91.95% | 89.3% | 110.05% | 92.65% | 96.42% |
| Operating Income | 55.15M▲ 0% | 70.84M▲ 28.5% | 51.87M▼ 26.8% | 11.94M▼ 77.0% | -108.13M▼ 1005.8% | 53.27M▲ 149.3% | 86.91M▲ 63.2% | -71.12M▼ 181.8% | 50.54M▲ 171.1% | 23.9M▲ 0% |
| Operating Margin % | 6.74% | 8% | 5.72% | 1.79% | -17.75% | 8.05% | 10.7% | -10.05% | 7.35% | 3.58% |
| Operating Income Growth % | -30.5% | 28.46% | -26.78% | -76.99% | -1005.84% | 149.27% | 63.15% | -181.83% | 171.07% | - |
| EBITDA | 57.27M | 75.05M | 55.93M | 16.96M | -103.42M | 54.32M | 86.44M | -71.83M | 49.83M | 24.69M |
| EBITDA Margin % | 7% | 8.47% | 6.17% | 2.54% | -16.98% | 8.21% | 10.65% | -10.15% | 7.25% | 3.7% |
| Interest Expense | 8.97M | 11.55M | 10.6M | 10.03M | 8.92M | 13.87M | 24.63M | 24.67M | 23.54M | 23.59M |
| Non-Operating Income | -8.97M | -11.55M | -10.6M | -10.03M | -8.92M | -13.87M | -24.63M | -24.67M | -23.54M | -18M |
| Pretax Income | 55.15M▲ 0% | 70.84M▲ 28.5% | 51.87M▼ 26.8% | 11.94M▼ 77.0% | -108.13M▼ 1005.8% | 53.27M▲ 149.3% | 86.91M▲ 63.2% | -71.12M▼ 181.8% | 50.54M▲ 171.1% | 23.9M▲ 0% |
| Pretax Margin % | 6.74% | 8% | 5.72% | 1.79% | -17.75% | 8.05% | 10.7% | -10.05% | 7.35% | 3.58% |
| Income Tax | 11.58M | 7.01M | 13.53M | 7.11M | -23.23M | 18.41M | 25.7M | -7.63M | 723K | -6.16M |
| Effective Tax Rate % | 21% | 9.89% | 26.08% | 59.59% | 21.49% | 34.57% | 29.58% | 10.73% | 1.43% | -25.77% |
| Net Income | 43.57M▲ 0% | 63.83M▲ 46.5% | 38.34M▼ 39.9% | 4.82M▼ 87.4% | -172.8M▼ 3682.1% | 30.97M▲ 117.9% | -107.68M▼ 447.7% | -81.12M▲ 24.7% | 47.43M▲ 158.5% | 28.93M▲ 0% |
| Net Margin % | 5.33% | 7.21% | 4.23% | 0.72% | -28.37% | 4.68% | -13.26% | -11.46% | 6.9% | 4.34% |
| Net Income Growth % | -41.5% | 46.51% | -39.94% | -87.42% | -3682.07% | 117.92% | -447.67% | 24.67% | 158.47% | 133.27% |
| EPS (Diluted) | 1.44▲ 0% | 2.11▲ 46.5% | 1.25▼ 40.8% | 0.16▼ 87.2% | -4.94▼ 3187.5% | 0.59▲ 111.9% | -3.13▼ 630.5% | -3.06▲ 2.2% | 0.79▲ 125.8% | 0.63▲ 0% |
| EPS Growth % | -42.17% | 46.53% | -40.76% | -87.2% | -3187.5% | 111.94% | -630.51% | 2.24% | 125.82% | 110.01% |
| EPS (Basic) | 1.48 | 2.14 | 1.27 | 0.16 | -4.94 | 0.59 | -3.14 | -3.06 | 1.03 | - |
| Diluted Shares Outstanding | 30.27M | 30.31M | 30.67M | 30.88M | 34.96M | 37.65M | 37.81M | 38.69M | 60.01M | 46.1M |
James River Group Holdings, Ltd. (JRVR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 2.76B | 3.14B | 5.02B | 5.06B | 4.95B | 5.14B | 5.32B | 5.01B | 4.86B | 1.73B |
| Asset Growth % | 17.48% | 13.79% | 60.18% | 0.77% | -2.26% | 3.81% | 3.51% | -5.83% | -2.94% | -62.28% |
| Total Investment Assets | 1.45B | 1.68B | 1.99B | 2.2B | 2.13B | 3.9B | 1.71B | 1.55B | 1.7B | 4M |
| Long-Term Investments | 1.14B | 1.34B | 1.67B | 2B | 1.92B | 2.01B | 1.52B | 1.37B | 1.07B | 3.15B |
| Short-Term Investments | 1.05B | 1.27B | 1.59B | 1.91B | 1.81B | 1.89B | 1.4B | 617.11M | 627.16M | 1.43B |
| Total Current Assets | 2.85M | 2.23B | 0 | 0 | 0 | 4.04B | 0 | 0 | 3.41B | 1.79B |
| Cash & Equivalents | 163.5M | 172.46M | 206.91M | 162.26M | 190.12M | 173.16M | 274.3M | 362.35M | 260.94M | 227.61M |
| Receivables | 0 | 0 | 1.07B | 1.23B | 1.83B | 1.61B | 1.77B | 2.36B | 2.31B | 7.13B |
| Other Current Assets | 0 | 0 | -3.05B | -3.55B | -4.12B | 730.17M | -3.73B | -3.64B | 8.48M | 0 |
| Goodwill & Intangibles | 220.16M | 219.37M | 218.77M | 218.23M | 217.87M | 217.51M | 214.64M | 214.28M | 245.2M | 947.79M |
| Goodwill | 181.83M | 181.83M | 181.83M | 181.83M | 181.83M | 181.83M | 181.83M | 181.83M | 181.83M | 213.83M |
| Intangible Assets | 38.33M | 37.54M | 36.94M | 36.4M | 36.04M | 35.68M | 32.81M | 32.45M | 63.37M | 0 |
| PP&E (Net) | 25M | 23.31M | 1.77M | 1.29M | 781K | 9.45M | 17M | 19.77M | 21.94M | 0 |
| Other Assets | -13.64M | -21.64M | -1.89B | -2.22B | -2.14B | -8.09M | -1.75B | -1.61B | 46.63M | 0 |
| Total Liabilities | 2.06B | 2.43B | 4.25B | 4.27B | 4.22B | 4.44B | 4.64B | 4.41B | 4.19B | 4.11B |
| Total Debt | 202.35M | 222.35M | 262.36M | 366.36M | 366.36M | 326.36M | 326.36M | 304.86M | 329.86M | 0 |
| Net Debt | 38.86M | 49.9M | 55.44M | 204.09M | 176.23M | 153.19M | 52.06M | -57.49M | 68.91M | -227.61M |
| Long-Term Debt | 202.35M | 222.35M | 262.36M | 366.36M | 366.36M | 326.36M | 326.36M | 304.86M | 329.86M | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 56.27M | 61.66M | 0 | 0 | 0 | 123.5M | 0 | 0 | 3.75B | 0 |
| Accounts Payable | 56.27M | 61.66M | 108.06M | 110.43M | 135.62M | 123.12M | 158.67M | 132.92M | 68.46M | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 119.57M | 0 | 0 | 447.64M | 0 |
| Other Current Liabilities | -56.27M | -63.58M | -167.96M | -166.42M | -193.54M | -189.97M | -215.39M | -186.1M | 3.19B | 0 |
| Deferred Taxes | 1000K | 1000K | 0 | 1000K | 0 | 1000K | 0 | 0 | 0 | 0 |
| Other Liabilities | 1.85B | 2.21B | -262.36M | -367.46M | -366.36M | 3.82B | -347.09M | -362.82M | 17.78M | 4.11B |
| Total Equity | 694.7M▲ 0% | 709.24M▲ 2.1% | 778.58M▲ 9.8% | 795.61M▲ 2.2% | 725.36M▼ 8.8% | 698.66M▼ 3.7% | 679.52M▼ 2.7% | 594.03M▼ 12.6% | 671.27M▲ 13.0% | 518.42M▲ 0% |
| Equity Growth % | 0.21% | 2.09% | 9.78% | 2.19% | -8.83% | -3.68% | -2.74% | -12.58% | 13% | -17.64% |
| Shareholders Equity | 694.7M | 709.24M | 778.58M | 795.61M | 725.36M | 698.66M | 679.52M | 594.03M | 671.27M | 518.42M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 48.2M | 79.75M | 89.59M | 49.23M | -166.66M | -152.06M | -277.9M | -402.41M | -364.73M | -376.1M |
| Common Stock | 6K | 6K | 6K | 6K | 7K | 7K | 7K | 9K | 9K | 9K |
| Accumulated OCI | 10.35M | -15.83M | 31.11M | 81.9M | 29.98M | -163.04M | -63.72M | -70M | -34.74M | -43.9M |
| Return on Equity (ROE) | 6.28% | 9.09% | 5.15% | 0.61% | -22.72% | 4.35% | -15.63% | -12.74% | 7.5% | 4.72% |
| Return on Assets (ROA) | 1.71% | 2.17% | 0.94% | 0.1% | -3.45% | 0.61% | -2.06% | -1.57% | 0.96% | 0.7% |
| Equity / Assets | 25.2% | 22.61% | 15.5% | 15.71% | 14.66% | 13.6% | 12.78% | 11.86% | 13.81% | 30% |
| Debt / Equity | 0.29x | 0.31x | 0.34x | 0.46x | 0.51x | 0.47x | 0.48x | 0.51x | 0.49x | 0.49x |
| Book Value per Share | 22.95 | 23.40 | 25.38 | 25.76 | 20.75 | 18.56 | 17.97 | 15.36 | 11.19 | 11.25 |
| Tangible BV per Share | 15.68 | 16.16 | 18.25 | 18.69 | 14.52 | 12.78 | 12.29 | 9.82 | 7.10 | 6.61 |
James River Group Holdings, Ltd. (JRVR) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 207.82M | 290.03M | 1.49B | -273.83M | -913.55M | 222.73M | 87.95M | -247.09M | -18.79M | -18.79M |
| Operating CF Growth % | 37.48% | 39.56% | 413.41% | -118.39% | -233.62% | 124.38% | -60.51% | -380.93% | 92.4% | 143.52% |
| Operating CF / Revenue % | 25.42% | 32.75% | 164.15% | -40.95% | -150% | 33.67% | 10.83% | -34.92% | -2.73% | -2.82% |
| Net Income | 43.57M | 63.83M | 38.34M | 4.82M | -172.8M | 30.97M | -107.68M | -81.12M | 47.43M | 28.93M |
| Depreciation & Amortization | 2.12M | 4.21M | 4.06M | 5.02M | 4.71M | 1.05M | -475K | -709K | 521K | 0 |
| Stock-Based Compensation | 7.69M | 6.23M | 7.18M | 7.63M | 6.66M | 8.12M | 9.12M | 6.63M | 5.04M | 0 |
| Deferred Taxes | -364K | -5.86M | -4.92M | -4.42M | -20.4M | 4.63M | -5.97M | -11.21M | -14.39M | 0 |
| Other Non-Cash Items | -12.33M | 28.66M | -7.5M | 14.36M | -19.83M | 39.68M | 144.88M | 5.49M | 4.54M | 40.01M |
| Working Capital Changes | 167.13M | 192.96M | 1.45B | -301.24M | -711.89M | 138.29M | 48.09M | -166.17M | -61.93M | 0 |
| Cash from Investing | -104.74M | -266.77M | -263.36M | -175.99M | 35.82M | -328.15M | 16.73M | 307.03M | -116.04M | -63.01M |
| Capital Expenditures | 0 | 0 | -519K | -549K | -6.3M | -8.22M | -6.43M | -4.89M | 0 | -3.58M |
| Acquisitions | 0 | 0 | 519K | 0 | 0 | 0 | 0 | 96.41M | 0 | 0 |
| Purchase of Investments | -284.47M | -477.67M | -530.73M | -592.13M | -403.05M | -748.53M | -223M | -220.15M | 0 | -308.03M |
| Sale/Maturity of Investments | 217.23M | 231.43M | 271.58M | 328.12M | 444.83M | 450.27M | 235.63M | 424.74M | 0 | 268.57M |
| Other Investing | -37.51M | -20.53M | -4.22M | 88.58M | 348K | -21.68M | 10.54M | 10.92M | -116.04M | -19.97M |
| Cash from Financing | -49.36M | -14.29M | 7.96M | 65.92M | 147.67M | 89.67M | -21.11M | -28.85M | 13.2M | -8.68M |
| Dividends Paid | -50.83M | -36.12M | -36.72M | -37.05M | -43.24M | -13.92M | -18.25M | -19M | -9.87M | -7.3M |
| Share Repurchases | -9.45M | -2.24M | -2.9M | -3.6M | 0 | -1.3M | -1.73M | 0 | 0 | -5K |
| Stock Issued | 1.71M | 5.17M | 0 | 0 | 192.11M | 144.9M | 0 | 12.5M | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 0 | -1000K | 0 | -1000K | 1000K | -1.05M |
| Other Financing | 916K | 4.07M | 7.58M | 2.58M | -1.2M | 0 | -1.14M | -847K | -745K | -195K |
| Net Change in Cash | 53.71M▲ 0% | 8.96M▼ 83.3% | 1.23B▲ 13665.0% | -383.9M▼ 131.1% | -730.05M▼ 90.2% | -15.75M▲ 97.8% | 83.57M▲ 630.6% | 31.1M▼ 62.8% | -121.63M▼ 491.1% | -72.28M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -33.26M |
| Cash at Beginning | 109.78M | 163.5M | 172.46M | 1.41B | 1.02B | 292.13M | 276.38M | 359.95M | 391.05M | 269.42M |
| Cash at End | 163.5M | 172.46M | 1.41B | 1.02B | 292.13M | 276.38M | 359.95M | 391.05M | 269.42M | 236.16M |
| Free Cash Flow | 207.82M▲ 0% | 290.03M▲ 39.6% | 1.49B▲ 413.2% | -274.38M▼ 118.4% | -919.85M▼ 235.2% | 214.51M▲ 123.3% | 81.52M▼ 62.0% | -251.97M▼ 409.1% | -23.59M▲ 90.6% | 29.1M▲ 0% |
| FCF Growth % | 37.48% | 39.56% | 413.23% | -118.43% | -235.25% | 123.32% | -62% | -409.1% | 90.64% | 108.87% |
| FCF Margin % | 25.42% | 32.75% | 164.09% | -41.03% | -151.03% | 32.43% | 10.04% | -35.61% | -3.43% | 4.36% |
| FCF per Share | 6.86 | 9.57 | 48.53 | -8.88 | -26.31 | 5.7 | 2.16 | -6.51 | -0.39 | -0.39 |
James River Group Holdings, Ltd. (JRVR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 93.26% | 92% | 94.28% | 98.21% | 117.75% | 91.95% | 89.3% | 110.05% | 92.65% | 96.42% |
| Medical Cost Ratio | 82.11% | 80.33% | 83.34% | 82.87% | 100.83% | 74.14% | 70.54% | 87.66% | 71.65% | 72.56% |
| Return on Equity (ROE) | 6.28% | 9.09% | 5.15% | 0.61% | -22.72% | 4.35% | -15.63% | -12.74% | 7.5% | 4.72% |
| Return on Assets (ROA) | 1.71% | 2.17% | 0.94% | 0.1% | -3.45% | 0.61% | -2.06% | -1.57% | 0.96% | 0.7% |
| Equity / Assets | 25.2% | 22.61% | 15.5% | 15.71% | 14.66% | 13.6% | 12.78% | 11.86% | 13.81% | 30% |
| Book Value / Share | 22.95 | 23.4 | 25.38 | 25.76 | 20.75 | 18.56 | 17.97 | 15.36 | 11.19 | 11.25 |
| Debt / Equity | 0.29x | 0.31x | 0.34x | 0.46x | 0.51x | 0.47x | 0.48x | 0.51x | 0.49x | 0.49x |
| Revenue Growth | 39.47% | 8.31% | 2.43% | -26.28% | -8.92% | 8.62% | 22.75% | -12.85% | -2.83% | -1.78% |
James River Group Holdings, Ltd. (JRVR) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 4, 2026·SEC
Apr 14, 2026·SEC
Mar 27, 2026·SEC
James River Group Holdings, Ltd. (JRVR) stock FAQ — growth, dividends, profitability & financials explained
James River Group Holdings, Ltd. (JRVR) saw revenue decline by 2.8% over the past year.
Yes, James River Group Holdings, Ltd. (JRVR) is profitable, generating $28.9M in net income for fiscal year 2025 (6.9% net margin).
Yes, James River Group Holdings, Ltd. (JRVR) pays a dividend with a yield of 0.74%. This makes it attractive for income-focused investors.
James River Group Holdings, Ltd. (JRVR) has a return on equity (ROE) of 7.5%. This is below average, suggesting room for improvement.
James River Group Holdings, Ltd. (JRVR) has a combined ratio of 92.6%. A ratio below 100% indicates underwriting profitability.
James River Group Holdings, Ltd. (JRVR) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates