Fidelity National Financial Inc (FNF)vsJames River Group Holdings Ltd (JRVR)
FNF
Fidelity National Financial Inc
$47.40
+2.98%
FINANCIAL SERVICES · Cap: $12.90B
JRVR
James River Group Holdings Ltd
$3.83
-4.49%
FINANCIAL SERVICES · Cap: $182.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 2144% more annual revenue ($14.96B vs $666.71M). FNF leads profitability with a 5.1% profit margin vs 4.3%. JRVR trades at a lower P/E of 9.4x. FNF earns a higher WallStSmart Score of 78/100 (B+).
FNF
Strong Buy78
out of 100
Grade: B+
JRVR
Hold38
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 200.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
5.1% margin — thin
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
4.3% margin — thin
Revenue declined 12.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on EPS Growth, PEG Ratio, P/E Ratio. Revenue growth of 16.7% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin. Thin 4.3% margins leave little buffer for downturns.
Key Dynamics to Monitor
FNF profiles as a growth stock while JRVR is a value play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.02 — expect wider price swings.
FNF is growing revenue faster at 16.7% — sustainability is the question.
FNF generates stronger free cash flow (848M), providing more financial flexibility.
Bottom Line
FNF scores higher overall (78/100 vs 38/100) and 16.7% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
James River Group Holdings Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
James River Group Holdings, Ltd., offers specialized insurance and reinsurance services in the United States. The company is headquartered in Pembroke, Bermuda.
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