James River Group Holdings, Ltd. (JRVR) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Insurance - Specialty
EV/EBITDA
↓
5.03
↓-51% vs avg
5yr avg: 10.33
30Y Low4.6·High23.6
P/FCF
↑
N/A
—
5yr avg: 3.98
30Y Low0.8·High8.5
P/B Ratio
↓
0.35
↓-55% vs avg
5yr avg: 0.78
30Y Low0.3·High1.9
ROE
↑
7.5%
↓+196% vs avg
5yr avg: -7.8%
30Y Low-23%·High11%
Debt/EBITDA
↑
6.62
↑+21% vs avg
5yr avg: 5.47
30Y Low2.0·High21.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
JRVR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
James River Group Holdings, Ltd. trades at 5.0x earnings, 77% below its 5-year average of 21.7x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 63%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $182M | $382M | $188M | $349M | $787M | $1.0B | $1.5B | $1.3B | $1.1B | $1.2B | $1.2B |
| Enterprise Value | $250M | $451M | $131M | $401M | $940M | $1.2B | $1.7B | $1.3B | $1.2B | $1.3B | $1.3B |
| P/E Ratio → | 5.00 | 8.05 | — | — | 35.44 | — | 307.19 | 32.97 | 17.32 | 27.78 | 16.69 |
| P/S Ratio | 0.26 | 0.56 | 0.27 | 0.43 | 1.19 | 1.65 | 2.27 | 1.39 | 1.25 | 1.48 | 2.12 |
| P/B Ratio | 0.35 | 0.57 | 0.32 | 0.51 | 1.13 | 1.39 | 1.91 | 1.62 | 1.56 | 1.74 | 1.79 |
| P/FCF | — | — | — | 4.29 | 3.67 | — | — | 0.85 | 3.82 | 5.83 | 8.22 |
| P/OCF | — | — | — | 3.97 | 3.53 | — | — | 0.85 | 3.82 | 5.83 | 8.22 |
P/E links to full P/E history page with 30-year chart
JRVR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
James River Group Holdings, Ltd.'s enterprise value stands at 5.0x EBITDA, 51% below its 5-year average of 10.3x. The Financial Services sector median is 11.4x, placing the stock at a 56% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.66 | 0.18 | 0.49 | 1.42 | 1.94 | 2.58 | 1.45 | 1.31 | 1.53 | 2.26 |
| EV / EBITDA | 5.03 | 9.04 | — | 4.64 | 17.31 | — | 101.56 | 23.59 | 15.42 | 21.83 | 16.20 |
| EV / EBIT | 4.96 | 6.08 | — | 3.60 | 14.01 | — | 78.38 | 21.12 | 14.05 | 19.50 | 15.09 |
| EV / FCF | — | — | — | 4.92 | 4.38 | — | — | 0.89 | 3.99 | 6.02 | 8.76 |
JRVR Profitability
Margins and return-on-capital ratios measuring operating efficiency
James River Group Holdings, Ltd. earns an operating margin of 7.4%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 10.7% to 7.4% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.5% is modest, trailing the sector median of 9.0%. ROIC of 5.9% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 28.4% | 28.4% | 12.3% | 29.5% | 25.9% | -0.8% | 17.1% | 16.7% | 19.7% | 17.9% | 27.2% |
| Operating Margin | 7.4% | 7.4% | -10.1% | 10.7% | 8.1% | -17.8% | 1.8% | 5.7% | 8.0% | 6.7% | 13.5% |
| Net Profit Margin | 6.9% | 6.9% | -11.5% | -13.3% | 4.7% | -28.4% | 0.7% | 4.2% | 7.2% | 5.3% | 12.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.5% | 7.5% | -12.7% | -15.6% | 4.4% | -22.7% | 0.6% | 5.2% | 9.1% | 6.3% | 10.8% |
| ROA | 1.0% | 1.0% | -1.6% | -2.1% | 0.6% | -3.5% | 0.1% | 0.9% | 2.2% | 1.7% | 3.4% |
| ROIC | 5.9% | 5.9% | -8.4% | 8.2% | 4.6% | -8.5% | 1.0% | 4.9% | 7.1% | 5.5% | 7.7% |
| ROCE | 4.3% | 4.3% | -1.4% | 1.7% | 1.1% | -2.2% | 0.2% | 1.3% | 2.5% | 2.2% | 3.7% |
JRVR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
James River Group Holdings, Ltd. carries a Debt/EBITDA ratio of 6.6x, which is highly leveraged (55% above the sector average of 4.3x). Net debt stands at $69M ($330M total debt minus $261M cash). Interest coverage of 3.1x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.49 | 0.51 | 0.48 | 0.47 | 0.51 | 0.46 | 0.34 | 0.31 | 0.29 | 0.28 |
| Debt / EBITDA | 6.62 | 6.62 | — | 3.78 | 6.01 | — | 21.61 | 4.69 | 2.96 | 3.53 | 2.35 |
| Net Debt / Equity | — | 0.10 | -0.10 | 0.08 | 0.22 | 0.24 | 0.26 | 0.07 | 0.07 | 0.06 | 0.12 |
| Net Debt / EBITDA | 1.38 | 1.38 | — | 0.60 | 2.82 | — | 12.04 | 0.99 | 0.66 | 0.68 | 1.01 |
| Debt / FCF | — | — | — | 0.64 | 0.71 | — | — | 0.04 | 0.17 | 0.19 | 0.55 |
| Interest Coverage | 3.15 | 3.15 | -1.88 | 4.53 | 4.84 | -11.12 | 2.19 | 5.89 | 7.13 | 7.14 | 10.39 |
JRVR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.91x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.91 | 0.91 | — | — | 32.71 | — | — | — | 36.20 | 0.05 | 0.07 |
| Quick Ratio | 0.91 | 0.91 | — | — | 32.71 | — | — | — | 46.35 | 44.67 | 51.69 |
| Cash Ratio | 0.24 | 0.24 | — | — | 16.72 | — | — | — | 23.33 | 21.62 | 27.61 |
| Asset Turnover | — | 0.14 | 0.14 | 0.15 | 0.13 | 0.12 | 0.13 | 0.18 | 0.28 | 0.30 | 0.25 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
JRVR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
James River Group Holdings, Ltd. returns 0.8% to shareholders annually primarily through dividends. The payout ratio of 4.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 20.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.8% | 0.5% | 3.3% | 2.2% | 1.0% | 4.3% | 2.4% | 2.9% | 3.3% | 4.2% | 5.3% |
| Payout Ratio | 4.2% | 4.2% | — | — | 25.2% | — | 768.1% | 95.8% | 56.6% | 116.7% | 88.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 20.0% | 12.4% | — | — | 2.8% | — | 0.3% | 3.0% | 5.8% | 3.6% | 6.0% |
| FCF Yield | — | — | — | 23.3% | 27.2% | — | — | 117.8% | 26.2% | 17.2% | 12.2% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.5% | 0.2% | 0.0% | 0.2% | 0.2% | 0.2% | 0.8% | 0.4% |
| Total Shareholder Yield | 0.8% | 0.5% | 3.3% | 2.7% | 1.2% | 4.3% | 2.7% | 3.1% | 3.5% | 5.0% | 5.7% |
| Shares Outstanding | — | $60M | $39M | $38M | $38M | $35M | $31M | $31M | $30M | $30M | $30M |
Peer Comparison
Compare JRVR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 JRVRYou | $182M | 5.0 | 5.0 | — | 28.4% | 7.4% | 7.5% | 5.9% | 6.6 |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 RLI | $5B | 12.2 | 9.4 | 8.0 | 29.8% | 27.5% | 24.4% | 22.8% | 0.2 |
 KNSL | $7B | 14.3 | 11.3 | 7.2 | 52.5% | 33.8% | 29.3% | 26.6% | 0.4 |
 SKWD | $2B | 12.4 | 10.0 | 5.6 | 44.0% | 15.3% | 18.9% | 18.5% | 0.5 |
 PLMR | $3B | 15.6 | 10.9 | 7.4 | 73.9% | 28.9% | 23.6% | 25.5% | 0.0 |
 HCI | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 NODK | $326M | -31.8 | — | 182.4 | 29.6% | -4.3% | -4.3% | -4.8% | — |
 HRTG | $706M | 3.7 | 0.9 | 4.1 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 GBLI | $364M | 14.5 | 7.9 | 40.1 | 49.3% | 7.4% | 3.6% | 3.8% | 0.2 |
 ICMB | $17M | 1.4 | — | — | 100.0% | 65.0% | 15.6% | 5.7% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
JRVR — Frequently Asked Questions
Quick answers to the most common questions about buying JRVR stock.
What is James River Group Holdings, Ltd.'s P/E ratio?
James River Group Holdings, Ltd.'s current P/E ratio is 5.0x. The historical average is 21.4x.
What is James River Group Holdings, Ltd.'s EV/EBITDA?
James River Group Holdings, Ltd.'s current EV/EBITDA is 5.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.7x.
What is James River Group Holdings, Ltd.'s ROE?
James River Group Holdings, Ltd.'s return on equity (ROE) is 7.5%. The historical average is 1.2%.
Is JRVR stock overvalued?
Based on historical data, James River Group Holdings, Ltd. is trading at a P/E of 5.0x. Compare with industry peers and growth rates for a complete picture.
What is James River Group Holdings, Ltd.'s dividend yield?
James River Group Holdings, Ltd.'s current dividend yield is 0.84% with a payout ratio of 4.2%.
What are James River Group Holdings, Ltd.'s profit margins?
James River Group Holdings, Ltd. has 28.4% gross margin and 7.4% operating margin.
How much debt does James River Group Holdings, Ltd. have?
James River Group Holdings, Ltd.'s Debt/EBITDA ratio is 6.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.