Is JRVR a good stock to buy right now?

Based on our 6-factor quantitative model, James River Group Holdings, Ltd. (JRVR) receives a "Reduce" rating with a composite score of 40.6/100. It is ranked #2,394 out of 4,446 stocks. Key factor scores: Quality 10/100, Value 79/100, Momentum 58/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for JRVR?

James River Group Holdings, Ltd. (JRVR) has a "Reduce" rating and 2-star score. The composite score of 40.6 ranks it #2,394 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is JRVR in?

James River Group Holdings, Ltd. operates in the Financials sector (Insurance industry) with a market cap of $279 million. It is classified as a micro-cap stock.

Does JRVR pay a dividend?

Yes, JRVR pays a dividend with a current yield of 0.72%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $7.20 in annual dividend income.

What is JRVR's P/E ratio?

JRVR has a trailing P/E ratio of 7.40x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is JRVR?

JRVR's quality factor score is 10/100. Gross margin: 0.0%. ROE: -4.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is JRVR valued compared to peers?

JRVR's value factor score is 79/100 (higher = cheaper). Key multiples: P/E 7.4x, EV/EBITDA 1.4x. The stock appears attractively valued versus peers.

What is JRVR's debt level?

JRVR's debt-to-equity ratio is 778%. Sector average: 121%. Elevated leverage increases credit risk.

JRVR has a beta of 0.43, meaning it is less volatile than the market. Stability score: 68/100.

Does JRVR have high short interest?

JRVR's short interest factor score is 9/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

JRVR Stock Analysis: Top Micro-Cap Reduce (Score 40.6/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
JRVR	-2.52%	+1.31%	-2.97%	-2.52%	+48.68%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-2.45%	-2.30%	-3.31%	-2.15%	+19.16%	-	-	-
Alpha vs Sector	-1.42%	-1.20%	-4.39%	+4.79%	+38.10%	-	-	-

Metric	JRVR	Benchmark
P/E Ratio	7.4x	-50%
EV/EBITDA	1.4x	-57%
Price / Book	0.5x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
JRVR James River Group Holdings, Ltd.	41	10	79	58	7.4x	-4.5%	0.0%	-2.9%	-8.3%	778.0x	$279M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	-0.0%	-0.0%	0.0%	0.0%	0.0%
Operating Margin %	-0.0%	0.1%	-0.1%	0.1%	0.1%	-0.3%	1.0%	1.0%	1.0%	1.0%	1.0%
EBITDA Margin %	-0.0%	0.1%	-0.1%	0.1%	0.1%	-0.3%	0.1%	0.2%	0.2%	0.2%	0.3%
Net Margin %	-0.0%	0.1%	-0.1%	-0.1%	0.0%	-0.2%	0.0%	0.0%	0.1%	0.1%	0.1%
FCF Margin %	2.1%	-	-	-	-	-	-41.7%	166.0%	67.4%	-2.2%	-9.9%
ROE %	-0.0%	0.1%	-0.2%	-0.2%	0.1%	-0.2%	0.0%	0.0%	0.1%	0.1%	0.1%
ROA %	-0.0%	0.0%	-0.0%	-0.0%	0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	-3.3%	7.4%	-12.2%	12.8%	7.0%	-21.4%	52.8%	85.9%	92.2%	121.6%	79.4%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

-0.0%

0.0%

Operating Margin %

-0.0%

0.1%

-0.1%

0.1%

-0.3%

1.0%

EBITDA Margin %

-0.0%

0.1%

-0.1%

0.1%

-0.3%

0.1%

0.2%

0.3%

Net Margin %

-0.0%

0.1%

-0.1%

0.0%

-0.2%

0.0%

0.1%

FCF Margin %

2.1%

-41.7%

166.0%

67.4%

-2.2%

-9.9%

ROE %

-0.0%

0.1%

-0.2%

0.1%

-0.2%

0.0%

0.1%

ROA %

-0.0%

0.0%

-0.0%

0.0%

-0.0%

0.0%

ROIC %

-3.3%

7.4%

-12.2%

12.8%

7.0%

-21.4%

52.8%

85.9%

92.2%

121.6%

79.4%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$711M	$688M	$708M	$812M	$814M	$773M	$659M	$897M	$886M	$818M	$586M	$505M
	—	—	—	—	—	—	-$10M	-$11M	$0	$0	$0	$0
Gross Margin	0.0%	---	---	---	---	---	-1.5%	-1.2%	0.0%	0.0%	0.0%	0.0%
	—	—	—	—	—	—	$81M	$88M	$115M	$118M	$104M	$100M
Total Operating Expenses	—	$637M	$779M	$725M	$764M	$969M	—	—	—	—	—	—
	-$26M	$51M	-$71M	$87M	$49M	-$196M	$669M	$907M	$886M	$818M	$586M	$505M
EBIT	-$26M	$51M	-$71M	$87M	$49M	-$196M	$669M	$907M	$886M	$818M	$586M	$505M
EBITDA	-$26M	$51M	-$71M	$87M	$49M	-$196M	$93M	$140M	$186M	$173M	$183M	$160M
Operating Margin	-3.0%	7.3%	-10.1%	10.7%	6.1%	-25.4%	101.5%	101.2%	100.0%	100.0%	100.0%	100.0%
EBITDA Margin	-3.7%	7.4%	-10.1%	10.7%	6.1%	-25.4%	14.0%	15.6%	21.0%	21.2%	31.3%	31.6%
	—	$24M	$25M	$25M	$18M	$9M	$10M	$11M	$0	$0	$0	$0
	—	$51M	-$71M	$87M	$49M	-$196M	—	—	—	—	—	—
Income Tax Expense	—	$723K	-$8M	$26M	$18M	-$23M	$7M	$14M	$7M	$12M	$5M	$6M
	-$24M	$47M	-$81M	-$108M	$31M	-$173M	$5M	$38M	$64M	$44M	$74M	$53M
Net Margin	-2.9%	6.9%	-11.5%	-13.3%	3.8%	-22.4%	0.7%	4.2%	7.3%	5.4%	12.7%	10.6%
	$0.86	$0.86	$-3.06	$-3.14	$0.59	$-4.94	$0.16	$1.27	$2.14	$1.48	$2.56	$1.87
Diluted EPS	$0.86	$0.79	$-3.06	$-3.13	$0.59	$-4.94	$0.16	$1.27	$2.14	$1.48	$2.56	$1.87
Weighted Avg Basic	—	46M	39M	38M	37M	35M	—	—	—	—	—	—
Weighted Avg Diluted	—	60M	39M	38M	38M	35M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$711M

$688M

$708M

$812M

$814M

$773M

$659M

$897M

$886M

$818M

$586M

$505M

—

-$10M

-$11M

Gross Margin

0.0%

---

-1.5%

-1.2%

0.0%

—

$81M

$88M

$115M

$118M

$104M

$100M

Total Operating Expenses

—

$637M

$779M

$725M

$764M

$969M

—

-$26M

$51M

-$71M

$87M

$49M

-$196M

$669M

$907M

$886M

$818M

$586M

$505M

EBIT

-$26M

$51M

-$71M

$87M

$49M

-$196M

$669M

$907M

$886M

$818M

$586M

$505M

EBITDA

-$26M

$51M

-$71M

$87M

$49M

-$196M

$93M

$140M

$186M

$173M

$183M

$160M

Operating Margin

-3.0%

7.3%

-10.1%

10.7%

6.1%

-25.4%

101.5%

101.2%

100.0%

EBITDA Margin

-3.7%

7.4%

-10.1%

10.7%

6.1%

-25.4%

14.0%

15.6%

21.0%

21.2%

31.3%

31.6%

—

$24M

$25M

$18M

$9M

$10M

$11M

—

$51M

-$71M

$87M

$49M

-$196M

—

Income Tax Expense

—

$723K

-$8M

$26M

$18M

-$23M

$7M

$14M

$7M

$12M

$5M

$6M

-$24M

$47M

-$81M

-$108M

$31M

-$173M

$5M

$38M

$64M

$44M

$74M

$53M

Net Margin

-2.9%

6.9%

-11.5%

-13.3%

3.8%

-22.4%

0.7%

4.2%

7.3%

5.4%

12.7%

10.6%

$0.86

$-3.06

$-3.14

$0.59

$-4.94

$0.16

$1.27

$2.14

$1.48

$2.56

$1.87

Diluted EPS

$0.86

$0.79

$-3.06

$-3.13

$0.59

$-4.94

$0.16

$1.27

$2.14

$1.48

$2.56

$1.87

Weighted Avg Basic

—

46M

39M

38M

37M

35M

—

Weighted Avg Diluted

—

60M

39M

38M

35M

—

James River Group Holdings, Ltd. (JRVR) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does James River Group Holdings, Ltd. Do?

James River Group Holdings, Ltd., through its subsidiaries, provides specialty insurance and reinsurance services in the United States. It operates through Excess and Surplus Lines, Specialty Admitted Insurance, and Casualty Reinsurance segments. The Excess and Surplus Lines segment underwrites liability and property insurance on an excess and surplus commercial lines basis in all states and the District of Columbia. This segment distributes its insurance policies primarily through wholesale insurance brokers. The Specialty Admitted Insurance segment provides workers' compensation coverage for building trades, healthcare employees, goods and services, light manufacturing, specialty transportation, and agriculture, as well as fronting and program business. The Casualty Reinsurance segment offers proportional and working layer casualty reinsurance to third parties and other insurance companies. James River Group Holdings, Ltd. was founded in 2002 and is headquartered in Pembroke, Bermuda. James River Group Holdings, Ltd. (JRVR) is classified as a micro-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Frank N. D'Orazio and employs approximately 640 people. With a market capitalization of $279M, JRVR is one of the notable companies in the Financials sector.

James River Group Holdings, Ltd. (JRVR) Stock Rating — Reduce (April 2026)

As of April 2026, James River Group Holdings, Ltd. receives a Reduce rating with a composite score of 40.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.JRVR ranks #2,394 out of 4,446 stocks in our coverage universe. Within the Financials sector, James River Group Holdings, Ltd. ranks #644 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

JRVR Stock Price and 52-Week Range

James River Group Holdings, Ltd. (JRVR) currently trades at $6.20. The stock lost $0.16 (2.5%) in the most recent trading session. The 52-week high for JRVR is $7.11, which means the stock is currently trading -12.8% from its annual peak. The 52-week low is $3.85, putting the stock 61.0% above its annual trough. Recent trading volume was 153K shares, suggesting relatively thin trading activity.

Is JRVR Overvalued or Undervalued? — Valuation Analysis

James River Group Holdings, Ltd. (JRVR) carries a value factor score of 79/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 7.40x, compared to the Financials sector average of 14.88x — a discount of 50%. The price-to-book ratio stands at 0.53x, versus the sector average of 1.22x. The price-to-sales ratio is 0.40x, compared to 0.90x for the average Financials stock. On an enterprise value basis, JRVR trades at 1.41x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, James River Group Holdings, Ltd. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

James River Group Holdings, Ltd. Profitability — ROE, Margins, and Quality Score

James River Group Holdings, Ltd. (JRVR) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -4.5%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -0.5% versus the sector average of 1.2%.

On a margin basis, James River Group Holdings, Ltd. reports gross margins of 0.0%. The operating margin is -3.0% (sector: 21.8%). Net profit margin stands at -2.9%, versus 17.7% for the average Financials stock. Revenue growth is running at -8.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

JRVR Debt, Balance Sheet, and Financial Health

James River Group Holdings, Ltd. has a debt-to-equity ratio of 778.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.16x, suggesting adequate working capital coverage. Total debt on the balance sheet is $330M. Cash and equivalents stand at $239M.

JRVR has a beta of 0.43, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for James River Group Holdings, Ltd. is 68/100, reflecting average volatility within the normal range for its sector.

James River Group Holdings, Ltd. Revenue and Earnings History — Quarterly Trend

In TTM 2026, James River Group Holdings, Ltd. reported revenue of $711M and earnings per share (EPS) of $0.86. Net income for the quarter was $-24M. Gross margin was 0.0%. Operating income came in at $-26M.

In FY 2025, James River Group Holdings, Ltd. reported revenue of $688M and earnings per share (EPS) of $0.86. Net income for the quarter was $47M. Revenue grew -2.8% year-over-year compared to FY 2024. Operating income came in at $51M.

In Q3 2025, James River Group Holdings, Ltd. reported revenue of $173M and earnings per share (EPS) of $-0.02. Net income for the quarter was $1M. Revenue grew -9.8% year-over-year compared to Q3 2024. Operating income came in at $3M.

In Q2 2025, James River Group Holdings, Ltd. reported revenue of $175M and earnings per share (EPS) of $0.06. Net income for the quarter was $5M. Revenue grew -7.1% year-over-year compared to Q2 2024. Operating income came in at $7M.

Over the past 8 quarters, James River Group Holdings, Ltd. has demonstrated a growth trajectory, with revenue expanding from $188M to $711M. Investors analyzing JRVR stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

JRVR Dividend Yield and Income Analysis

James River Group Holdings, Ltd. (JRVR) currently pays a dividend yield of 0.7%. At this yield, a $10,000 investment in JRVR stock would generate approximately $$72.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning JRVR yields less than the typical sector peer.

JRVR Momentum and Technical Analysis Profile

James River Group Holdings, Ltd. (JRVR) has a momentum factor score of 58/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 36/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 9/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

JRVR vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, James River Group Holdings, Ltd. (JRVR) ranks #644 out of 891 stocks based on the Blank Capital composite score. This places JRVR in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing JRVR against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full JRVR vs S&P 500 (SPY) comparison to assess how James River Group Holdings, Ltd. stacks up against the broader market across all factor dimensions.

JRVR Next Earnings Date

No upcoming earnings date has been announced for James River Group Holdings, Ltd. (JRVR) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy JRVR? — Investment Thesis Summary

The quantitative profile for James River Group Holdings, Ltd. suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 79/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 68/100) reduces downside risk.

In summary, James River Group Holdings, Ltd. (JRVR) earns a Reduce rating with a composite score of 40.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on JRVR stock.

Related Resources for JRVR Investors

Explore more research and tools: JRVR vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare JRVR head-to-head with peers: JRVR vs WTM, JRVR vs OPY, JRVR vs ACT.

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James River to Hold Its First Quarter Earnings Conference Call on Tuesday, May 5, 2026

AM Best Affirms Credit Ratings of James River Group Holdings, Inc. and Its Subsidiaries

James River Recruits Industry Veteran Kelly Hadiaris to Lead Excess Casualty

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James River Group Holdings, Ltd. (JRVR) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does James River Group Holdings, Ltd. Do?

James River Group Holdings, Ltd. (JRVR) Stock Rating — Reduce (April 2026)

JRVR Stock Price and 52-Week Range

Is JRVR Overvalued or Undervalued? — Valuation Analysis

James River Group Holdings, Ltd. Profitability — ROE, Margins, and Quality Score

JRVR Debt, Balance Sheet, and Financial Health

James River Group Holdings, Ltd. Revenue and Earnings History — Quarterly Trend

JRVR Dividend Yield and Income Analysis

JRVR Momentum and Technical Analysis Profile

JRVR vs Competitors — Financials Sector Ranking and Peer Comparison

JRVR Next Earnings Date

Should You Buy JRVR? — Investment Thesis Summary

Related Resources for JRVR Investors

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James River to Hold Its First Quarter Earnings Conference Call on Tuesday, May 5, 2026

AM Best Affirms Credit Ratings of James River Group Holdings, Inc. and Its Subsidiaries

James River Recruits Industry Veteran Kelly Hadiaris to Lead Excess Casualty