James River Group Holdings Ltd (JRVR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
James River Group Holdings Ltd stock (JRVR) is currently trading at $6.18. James River Group Holdings Ltd PE ratio is 7.40. James River Group Holdings Ltd PS ratio (Price-to-Sales) is 0.41. Analyst consensus price target for JRVR is $7.67. WallStSmart rates JRVR as Hold.
- JRVR PE ratio analysis and historical PE chart
- JRVR PS ratio (Price-to-Sales) history and trend
- JRVR intrinsic value — DCF, Graham Number, EPV models
- JRVR stock price prediction 2025 2026 2027 2028 2029 2030
- JRVR fair value vs current price
- JRVR insider transactions and insider buying
- Is JRVR undervalued or overvalued?
- James River Group Holdings Ltd financial analysis — revenue, earnings, cash flow
- JRVR Piotroski F-Score and Altman Z-Score
- JRVR analyst price target and Smart Rating
James River Group Holdings
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JRVR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · James River Group Holdings Ltd (JRVR)
JRVR trades 17% above its Graham fair value of $5.64, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
James River Group Holdings Ltd (JRVR) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book, revenue growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
James River Group Holdings Ltd (JRVR) Key Strengths (4)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Revenue surging 32.40% year-over-year
76.77% of shares held by major funds and institutions
Supporting Valuation Data
James River Group Holdings Ltd (JRVR) Areas to Watch (5)
Earnings declining -53.30%, profits shrinking
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Thin profit margins with limited profitability
Decent operational efficiency, solid but not exceptional
James River Group Holdings Ltd (JRVR) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 3.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, Revenue Growth. Valuation metrics including Price/Sales (0.41), Price/Book (0.52) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 32.40%.
The Bear Case
The primary concerns are EPS Growth, Market Cap, Return on Equity. Growth concerns include EPS Growth at -53.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.88%, Operating Margin at 18.20%, Profit Margin at 6.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.88% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 32.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Price/Book) and negatives (EPS Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
JRVR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
JRVR's Price-to-Sales ratio of 0.41x trades at a deep discount to its historical average of 1.92x (11th percentile). The current valuation is 89% below its historical high of 3.78x set in Dec 2016, and 52% above its historical low of 0.27x in Nov 2024. Over the past 12 months, the PS ratio has expanded from ~0.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for James River Group Holdings Ltd (JRVR) · FINANCIAL SERVICES › INSURANCE - SPECIALTY
The Big Picture
James River Group Holdings Ltd is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 688M with 32% growth year-over-year. Profit margins are thin at 6.9%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 32% YoY, reaching 688M. This pace significantly outperforms most INSURANCE - SPECIALTY peers.
Free cash flow is -29M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
Earnings fell 53% YoY while revenue grew 32%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Margin expansion: can James River Group Holdings Ltd push profit margins above 15% as the business scales?
Growth sustainability: can James River Group Holdings Ltd maintain 32%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE - SPECIALTY industry trends, competitive moves, and regulatory changes that could impact James River Group Holdings Ltd.
Bottom Line
James River Group Holdings Ltd is a high-conviction growth story with revenue accelerating at 32% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 6.9% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(36 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:02:14 AM
About James River Group Holdings Ltd(JRVR)
NASDAQ
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.