James River Group Holdings Ltd (JRVR)vsRyan Specialty Group Holdings Inc (RYAN)
JRVR
James River Group Holdings Ltd
$6.18
-0.80%
FINANCIAL SERVICES · Cap: $282.25M
RYAN
Ryan Specialty Group Holdings Inc
$33.50
-0.06%
FINANCIAL SERVICES · Cap: $8.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 336% more annual revenue ($2.99B vs $687.61M). JRVR leads profitability with a 6.9% profit margin vs 2.1%. JRVR trades at a lower P/E of 7.4x. JRVR earns a higher WallStSmart Score of 58/100 (C).
JRVR
Buy58
out of 100
Grade: C
RYAN
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-16.8%
Fair Value
$5.64
Current Price
$6.18
$0.54 premium
Margin of Safety
-95.7%
Fair Value
$22.00
Current Price
$33.50
$11.50 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 32.4% year-over-year
Earnings expanding 110.1% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
6.9% margin — thin
Earnings declined 53.3%
2.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 32.4% demonstrates continued momentum.
Bull Case : RYAN
The strongest argument for RYAN centers on EPS Growth. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 71.3x leaves little room for execution misses. Debt-to-equity of 5.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
JRVR profiles as a hypergrowth stock while RYAN is a value play — different risk/reward profiles.
RYAN carries more volatility with a beta of 0.65 — expect wider price swings.
JRVR is growing revenue faster at 32.4% — sustainability is the question.
RYAN generates stronger free cash flow (246M), providing more financial flexibility.
Bottom Line
JRVR scores higher overall (58/100 vs 54/100) and 32.4% revenue growth. Both earn "Buy" and "Buy" 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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, focused on delivering innovative risk management services across diverse sectors. The company leverages a vast network of insurance wholesale operations and underwriting expertise to meet the complex needs of its clients, backed by strong relationships with insurers and distribution channels. By integrating advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client results, positioning itself as a key player in the evolving insurance landscape. With a commitment to strategic growth initiatives, the company is poised to create sustainable shareholder value in a dynamic market.
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