James River Group Holdings, Ltd. (JRVR) AI Stock Analysis

James River Group Holdings, Ltd. stands as a provider of specialty insurance and reinsurance services within the United States market. Established in 2002 and headquartered in Pembroke, Bermuda, the company operates across three segments: Excess and Surplus Lines, Specialty Admitted Insurance, and Casualty Reinsurance. The Excess and Surplus Lines segment underwrites property and liability insurance on an excess and surplus commercial lines basis across all states and the District of Columbia via wholesale insurance brokers. Specialty Admitted Insurance includes coverage options such as workers' compensation for building trades, healthcare, light manufacturing, specialty transportation, and agriculture, alongside fronting and program business. Casualty Reinsurance provides proportional and working layer casualty reinsurance solutions.

James River Group Holdings reported revenue of $687.6M in FY2025, representing a 2.8% decline from $707.6M in FY2024 and down from $812.0M in FY2023. Between FY2020 and FY2025, the company delivered a 5-year revenue compound annual growth rate of 0.6%. Profitability has fluctuated, moving from a net loss of $172.8M in FY2021 to net income of $31.0M in FY2022, a net loss of $107.7M in FY2023, a net loss of $81.1M in FY2024, and net income of $47.4M in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue fell 7.7% year-over-year, while quarterly earnings grew 57.2%. Operating margin stood at 8.7% for the trailing twelve months.

As of June 30, 2026, James River Group Holdings held $835.2M in cash and short-term investments against $329.9M in total debt, yielding net cash of $505.4M. Shareholders' equity was $655.7M, and total assets stood at $2.48B, with a debt-to-equity ratio of 0.50. For FY2025, operating cash flow was -$18.8M and free cash flow was -$23.6M. Capital allocation in FY2025 included $4.8M in capital expenditures, $745,000 in share buybacks, and $9.9M in dividends paid, while the 5-year share count change was 25.8%.

At a closing price of $3.82 on October 16, 2026, James River Group Holdings has a market capitalization of $176.7M and an enterprise value of $445.9M. The stock trades at a trailing price-to-earnings multiple of 9.8x and a forward P/E of 4.9x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio is 0.3x compared to the peer median of 3.2x. Over the past year, JRVR declined 25.5%, trailing the S&P 500 (SPY) return of 16.8%.

James River Group Holdings pays a quarterly dividend with an annualized forward payout of $0.04 per share, translating to a dividend yield of 1.05%. The trailing twelve-month dividend payout ratio stands at 4.3%. While the company has maintained 12 consecutive years of dividend payments, its 5-year annualized dividend growth rate decreased by 49.4%. Its most recent ex-dividend date was September 15, 2026.

Consensus coverage includes 3 Hold ratings, with 0 Buy and 0 Sell recommendations. The average analyst price target is $4.72, which represents a 23.7% premium over the last close of $3.82. For the fiscal year ending December 31, 2026, analysts estimate EPS of $0.74 on revenue of $619.0M. The company beat EPS estimates in 1 of the last 4 quarters, and its next earnings date is scheduled for November 2, 2026.

This page is an AI-written research summary of James River Group Holdings, Ltd. (JRVR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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