James River Group Holdings Ltd (JRVR)vsMGIC Investment Corp (MTG)
JRVR
James River Group Holdings Ltd
$3.69
-2.64%
FINANCIAL SERVICES · Cap: $182.18M
MTG
MGIC Investment Corp
$29.69
+0.07%
FINANCIAL SERVICES · Cap: $6.29B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 83% more annual revenue ($1.20B vs $653.21M). MTG leads profitability with a 59.2% profit margin vs 4.7%. JRVR trades at a lower P/E of 8.9x. MTG earns a higher WallStSmart Score of 67/100 (B-).
JRVR
Hold50
out of 100
Grade: D+
MTG
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 57.2% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 59 of every $100 in revenue as profit
Strong operational efficiency at 80.8%
Conservative balance sheet, low leverage
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
4.7% margin — thin
Revenue declined 7.7%
Weak financial health signals
Revenue declined 2.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book, EPS Growth.
Bull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 59.2% and operating margin at 80.8%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin. Thin 4.7% margins leave little buffer for downturns.
Bear Case : MTG
The primary concerns for MTG are Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
JRVR profiles as a value stock while MTG is a declining play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.65 — expect wider price swings.
MTG is growing revenue faster at -2.9% — sustainability is the question.
MTG generates stronger free cash flow (184M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (67/100 vs 50/100), backed by strong 59.2% margins. 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.
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.
MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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