What is James River Group Holdings, Inc.'s earnings per share (EPS)?

James River Group Holdings, Inc. (JRVR) reported diluted earnings per share of $0.79 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

James River Group Holdings, Inc. (JRVR) Financials

JRVR

Trailing 12 months to June 30, 2026

Revenue $653.2M -1.8% YoY

Net Income $30.6M +134.0% YoY

EPS (Diluted) $0.44 +113.3% YoY

Free Cash Flow -$2.3M +99.2% YoY

Market Cap $179.0M as of Oct 21, 2026

Price / Sales 0.3x on $653.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 5.9x on $30.6M net income, trailing 12 months to June 30, 2026

Price / Book 0.3x on $522.6M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the JRVR SEC filings page.

James River Group Holdings, Inc. (JRVR) reported $653.2M in revenue over the twelve months to Jun 30, 2026, down 1.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI JRVR FY2025 2026-10-03

FY2025 restored reported profit, yet negative cash flow and high liabilities show earnings remain thin relative to the asset base.

FY2025 returned to net income of $47M after losses, but operating cash flow was -$19M. That earnings-to-cash mismatch matters because free cash flow was also -$24M: reported profit did not arrive with cash generation.

The capital structure remains liability-heavy: liabilities were $4.19B against assets of $4.86B in FY2025, leaving equity at $538M. Debt-to-equity improved from 9.6x in FY2024 to 7.8x, but the shift reflects a thicker equity cushion rather than a low-leverage profile.

Profitability is volatile rather than scale-driven: revenue slipped from $708M in FY2024 to $688M in FY2025 while net margin moved from -11.5% to 6.9%. Even after the rebound, return on assets was 1.0%, so profit remains small relative to the balance-sheet resources. Because the business carries a large asset base, modest profit changes can materially alter reported returns across periods.

Financial Health Signals

Financial Health Score 16/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of James River Group Holdings, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. James River Group Holdings, Inc. scores 15/100 on it among other insurers.

Premium Growth

James River Group Holdings, Inc. reported revenue of $687.6M in fiscal year 2025, against $707.6M in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and James River Group Holdings, Inc. scores 7/100 among other insurers.

Capital

James River Group Holdings, Inc. funded 11.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $538.2M of equity against $4.9B of assets. Capital ranks insurers on that cushion, and James River Group Holdings, Inc. scores 20/100 among other insurers.

Investment Yield

Not available for James River Group Holdings, Inc., and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. James River Group Holdings, Inc. scores 33/100 on it among other insurers.

Stability

James River Group Holdings, Inc. reported net income of $47.4M in fiscal year 2025, against a loss of $81.1M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and James River Group Holdings, Inc. scores 23/100 among other insurers.

Piotroski F-Score Partial

3/6

James River Group Holdings, Inc. passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality No Cash Backing

$0.40used

For every $1 of reported earnings, James River Group Holdings, Inc. used $0.40 of operating cash (-$18.8M OCF vs $47.4M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$161.3M

YoY-7.7%

QoQ+6.6%

5Y CAGR-3.4%

10Y CAGR+1.8%

James River Group Holdings, Inc. generated $161.3M in revenue in Q2 2026. This represents a decrease of 7.7% from the same quarter a year earlier. Against the prior quarter it is up 6.6%.

Net Income

$6.4M

YoY+34.5%

QoQ+171.7%

5Y CAGR-21.0%

10Y CAGR-7.9%

James River Group Holdings, Inc. reported $6.4M in net income in Q2 2026. This represents an increase of 34.5% from the same quarter a year earlier. Against the prior quarter it is up 171.7%.

EPS (Diluted)

$0.10

YoY+66.7%

5Y CAGR-30.1%

10Y CAGR-14.7%

James River Group Holdings, Inc. earned $0.10 per diluted share (EPS) in Q2 2026. This represents an increase of 66.7% from the same quarter a year earlier.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$5.9M

YoY-124.1%

QoQ-676.1%

James River Group Holdings, Inc. recorded an outflow of $5.9M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 124.1% from the same quarter a year earlier. Against the prior quarter it is down 676.1%.

Cash & Debt

$195.6M

YoY-11.1%

QoQ-14.1%

5Y CAGR-11.5%

10Y CAGR+9.3%

James River Group Holdings, Inc. held $195.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.01

YoY0.0%

5Y CAGR-49.4%

10Y CAGR-25.9%

James River Group Holdings, Inc. paid $0.01 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier.

Shares Outstanding

46M

YoY+0.7%

5Y CAGR+4.4%

10Y CAGR+4.7%

James River Group Holdings, Inc. had 46M shares outstanding in Q2 2026. This represents an increase of 0.7% from the same quarter a year earlier.

Margins & Returns

Net Margin

4.0%

YoY+1.3pp

QoQ+9.9pp

5Y change-6.9pp

10Y change-6.9pp

James River Group Holdings, Inc.'s net profit margin was 4.0% in Q2 2026, showing the share of revenue converted to profit. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 9.9 percentage points.

Return on Equity

1.2%

YoY+0.3pp

QoQ+2.9pp

5Y change-1.2pp

10Y change-0.8pp

James River Group Holdings, Inc.'s ROE was 1.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.9 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$855K

YoY+86.3%

QoQ+942.7%

5Y CAGR-14.5%

James River Group Holdings, Inc. invested $855K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 86.3% from the same quarter a year earlier. Against the prior quarter it is up 942.7%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

JRVR Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

JRVR quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Revenue	$653.2M	$687.6M-2.8%	$707.6M-12.9%	$812.0M+22.8%	$661.5M+8.6%	$609.0M-8.9%	$668.7M-26.3%	$907.1M+2.4%	$885.6M+8.3%	$817.6M+39.5%	$586.2M+16.1%	$504.9M+15.0%	$439.0M+13.6%	$386.3M
SG&A Expenses	$88.3M	$94.0M-6.1%	$100.1M+1.7%	$98.4M+13.7%	$86.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$23.4M	$23.5M-4.6%	$24.7M+0.2%	$24.6M+77.5%	$13.9M+55.5%	$8.9M-11.1%	$10.0M-5.3%	$10.6M-8.3%	$11.6M+28.7%	$9.0M+6.2%	$8.4M+20.7%	$7.0M+10.3%	$6.3M-6.3%	$6.8M
Income Tax	-$6.5M	$723K+109.5%	-$7.6M-129.7%	$25.7M+39.6%	$18.4M+179.3%	-$23.2M-426.7%	$7.1M-47.4%	$13.5M+93.0%	$7.0M-39.5%	$11.6M+137.7%	$4.9M-22.4%	$6.3M+568.7%	$939K-90.4%	$9.7M
Net Income	$30.6M	$47.4M+158.5%	-$81.1M+24.7%	-$107.7M-447.7%	$31.0M+117.9%	-$172.8M-3682.1%	$4.8M-87.4%	$38.3M-39.9%	$63.8M+46.5%	$43.6M-41.5%	$74.5M+39.2%	$53.5M+19.7%	$44.7M-33.6%	$67.3M
EPS (Basic)	N/A	$0.86+128.1%	-$3.06+2.5%	-$3.14-632.2%	$0.59+111.9%	-$4.94-3187.5%	$0.16-87.4%	$1.27-40.7%	$2.14+44.6%	$1.48-42.2%	$2.56+36.9%	$1.87+19.1%	$1.57-29.0%	$2.21
EPS (Diluted)	$0.44	$0.79	-$3.06+2.2%	-$3.13	$0.59	-$4.94-3187.5%	$0.16-87.2%	$1.25-40.8%	$2.11+46.5%	$1.44-42.2%	$2.49+36.8%	$1.82+17.4%	$1.55-29.9%	$2.21
Diluted Shares (Avg)	N/A	60M	39M+2.3%	38M	38M	35M+13.2%	31M+0.7%	31M+1.2%	30M+0.1%	30M+1.3%	30M+1.9%	29M+1.8%	29M-5.5%	31M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$161.3M-7.7%	$151.4M-12.1%	$167.7M+32.4%	$172.7M-9.8%	$174.8M-7.1%	$172.3M-14.3%	$126.7M-41.9%	$191.5M-8.9%
SG&A Expenses	$20.8M-11.0%	$24.5M-11.5%	$21.2M-13.6%	$21.8M-11.5%	$23.4M-3.2%	$27.7M+3.2%	$24.5M	$24.6M
Interest Expense	$5.6M-3.3%	$5.6M+0.9%	$6.0M+4.5%	$6.2M+1.6%	$5.8M-8.5%	$5.5M-14.6%	$5.7M	$6.1M-5.5%
Income Tax	$1.8M-16.6%	-$1.9M-137.1%	-$7.6M+14.8%	$1.1M+107.6%	$2.2M-61.4%	$5.0M-46.9%	-$8.9M	-$13.9M-298.4%
Net Income	$6.4M+34.5%	-$8.9M-193.2%	$32.1M+149.5%	$1.0M+102.6%	$4.8M-37.6%	$9.6M-37.8%	-$64.8M+56.9%	-$39.4M-301.4%
EPS (Basic)	$0.10+66.7%	-$0.23-235.3%	$0.65+126.9%	-$0.02+98.2%	$0.06-53.8%	$0.17-50.0%	-$2.42+40.4%	-$1.10-344.4%
EPS (Diluted)	$0.10+66.7%	-$0.23	$0.59	-$0.02+98.2%	$0.06-53.8%	$0.16-54.3%	-$2.42	-$1.10-344.4%
Diluted Shares (Avg)	47M+0.5%	46M	N/A	46M+21.5%	47M+22.8%	60M+33.6%	N/A	38M-12.8%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

JRVR Balance Sheet

JRVR quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Total Assets	$4.9B-2.9%	$5.0B-5.8%	$5.3B+3.5%	$5.1B+3.8%	$4.9B-2.3%	$5.1B+0.8%	$5.0B+60.2%	$3.1B+13.8%	$2.8B+17.5%	$2.3B+14.2%	$2.1B+4.9%	$2.0B+8.4%	$1.8B
Cash & Equivalents	$260.9M-28.0%	$362.3M+32.1%	$274.3M+72.3%	$159.2M-16.3%	$190.1M+17.2%	$162.3M-21.6%	$206.9M+20.0%	$172.5M+5.5%	$163.5M+48.9%	$109.8M+3.2%	$106.4M+45.0%	$73.4M-53.7%	$158.6M
Short-Term Investments	$0-100.0%	$97.1M+34.6%	$72.1M-24.3%	$95.4M-30.2%	$136.6M+4.8%	$130.3M-17.0%	$156.9M+91.5%	$82.0M+122.7%	$36.8M-27.6%	$50.8M+163.9%	$19.3M-85.4%	$131.9M	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M
Total Liabilities	$4.2B-5.1%	$4.4B-4.8%	$4.6B+4.5%	$4.4B+5.1%	$4.2B-1.0%	$4.3B+0.5%	$4.2B+74.9%	$2.4B+17.7%	$2.1B+24.7%	$1.7B+20.3%	$1.4B+8.1%	$1.3B+15.0%	$1.1B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$118.3M+20.3%	$98.3M+11.3%	$88.3M0.0%	$88.3M0.0%	$88.3M	N/A
Total Equity	$538.2M+16.8%	$460.9M-13.8%	$534.6M-3.5%	$553.8M-23.7%	$725.4M-8.8%	$795.6M+2.2%	$778.6M+9.8%	$709.2M+2.1%	$694.7M+0.2%	$693.2M+1.8%	$681.0M-1.0%	$687.9M-1.9%	$701.5M
Retained Earnings	-$364.7M+9.4%	-$402.4M-44.8%	-$277.9M-82.8%	-$152.1M+8.8%	-$166.7M-438.6%	$49.2M-45.1%	$89.6M+12.3%	$79.8M+65.5%	$48.2M-12.7%	$55.2M+17.4%	$47.0M+13.8%	$41.3M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.8B-4.9%	$4.8B-3.8%	$4.9B-2.9%	$5.0B-0.2%	$5.0B+5.9%	$4.9B-5.7%	$5.0B-5.8%	$5.0B-4.5%
Cash & Equivalents	$195.6M-11.1%	$227.6M-18.5%	$260.9M-28.0%	$238.8M-33.6%	$220.0M-67.3%	$279.4M-8.5%	$362.3M+32.1%	$359.8M+54.5%
Short-Term Investments	$4.0M-96.4%	$597K-99.2%	$0-100.0%	$42.6M-2.2%	$111.2M+141.9%	$79.1M-6.4%	$97.1M+34.6%	$43.6M-19.5%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%
Total Liabilities	$4.1B-6.3%	$4.1B-5.1%	$4.2B-5.1%	$4.3B+0.7%	$4.4B+8.4%	$4.3B-5.1%	$4.4B-4.8%	$4.3B-4.5%
Total Equity	$522.6M+6.1%	$518.4M+7.0%	$538.2M+16.8%	$503.6M-5.0%	$492.6M-9.1%	$484.5M-10.2%	$460.9M-13.8%	$530.3M-5.7%
Retained Earnings	-$372.2M+5.3%	-$376.1M+4.9%	-$364.7M+9.4%	-$394.4M-28.1%	-$393.0M-48.9%	-$395.3M-48.0%	-$402.4M-44.8%	-$307.9M-149.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

JRVR Cash Flow Statement

JRVR quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Operating Cash Flow	$1.8M	-$18.8M+92.4%	-$247.1M-380.9%	$88.0M-60.5%	$222.7M+124.4%	-$913.5M-233.6%	-$273.8M-118.4%	$1.5B+413.4%	$290.0M+39.6%	$207.8M+34.6%	$154.3M+28.7%	$120.0M-8.0%	$130.4M+23.4%	$105.6M
Depreciation & Amortization	N/A	-$717K-1.1%	-$709K-49.3%	-$475K-145.3%	$1.0M-77.8%	$4.7M-6.1%	$5.0M+23.5%	$4.1M-3.6%	$4.2M+98.5%	$2.1M-12.1%	$2.4M+20.5%	$2.0M-27.4%	$2.8M-22.6%	$3.6M
Stock-Based Compensation	N/A	$5.0M-23.9%	$6.6M-27.3%	$9.1M+12.2%	$8.1M+22.0%	$6.7M-12.7%	$7.6M+6.2%	$7.2M+15.3%	$6.2M-19.0%	$7.7M+40.0%	$5.5M+47.0%	$3.7M+534.1%	$589K-9.0%	$647K
Capital Expenditures	$4.1M	$4.8M-1.8%	$4.9M-24.0%	$6.4M-21.7%	$8.2M+30.4%	$6.3M+1048.1%	$549K+5.8%	$519K	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	-$2.3M	-$23.6M+90.6%	-$252.0M-409.1%	$81.5M-62.0%	$214.5M+123.3%	-$919.8M-235.2%	-$274.4M-118.4%	$1.5B	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$36.2M	-$116.0M-137.8%	$307.0M+1735.0%	$16.7M+105.1%	-$328.2M-1016.0%	$35.8M+120.4%	-$176.0M+33.2%	-$263.4M+1.3%	-$266.8M-154.7%	-$104.7M-29.7%	-$80.8M-136.4%	-$34.2M	N/A	N/A
Financing Cash Flow	-$10.7M	$13.2M+145.8%	-$28.8M-36.6%	-$21.1M-123.5%	$89.7M-39.3%	$147.7M+124.0%	$65.9M+728.6%	$8.0M+155.7%	-$14.3M+71.0%	-$49.4M+29.7%	-$70.2M-33.0%	-$52.8M	N/A	N/A
Dividends Paid	$1.9M	$2.0M-67.9%	$6.2M-19.6%	$7.7M-0.7%	$7.8M-82.0%	$43.2M+16.7%	$37.1M+0.9%	$36.7M+1.7%	$36.1M-28.9%	$50.8M-23.0%	$66.0M+39.2%	$47.4M-32.3%	$70.0M	N/A
Share Buybacks	N/A	N/A	N/A	N/A	$1.3M-57.6%	$3.1M-14.6%	$3.6M+24.3%	$2.9M+29.5%	$2.2M-76.3%	$9.4M+92.5%	$4.9M-24.1%	$6.5M	N/A	$110.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$5.1M-120.2%	-$684K+98.7%	-$26.8M-459.0%	$34.3M+112.7%	$25.2M+389.8%	-$51.5M-313.7%	$7.5M+176.2%	-$269.9M-589.7%
Stock-Based Compensation	$1.2M+45.4%	$1.5M-45.0%	N/A	$847K-41.4%	$834K-46.3%	$2.7M-0.6%	N/A	$1.4M-35.0%
Capital Expenditures	$855K+86.3%	$82K-93.3%	$2.5M-10.0%	$663K-20.1%	$459K-21.1%	$1.2M+63.5%	$2.7M-12.6%	$830K-26.8%
Free Cash Flow	-$5.9M-124.1%	-$766K+98.5%	-$29.3M-718.3%	$33.7M+112.4%	$24.7M+366.6%	-$52.7M-325.8%	$4.7M+136.6%	-$270.8M-601.5%
Investing Cash Flow	-$24.4M+69.7%	-$29.4M+44.5%	$30.4M+311.8%	-$12.7M+63.9%	-$80.7M-126.1%	-$53.0M-211.7%	-$14.3M-141.3%	-$35.3M+21.8%
Financing Cash Flow	-$2.4M+31.6%	-$3.2M-114.4%	-$2.5M-125.9%	-$2.6M+63.9%	-$3.6M+86.3%	$21.9M+501.1%	$9.8M+304.7%	-$7.1M-137.9%
Dividends Paid	$464K+0.7%	$521K-13.2%	$470K+7.6%	$467K-75.3%	$461K-75.7%	$600K-70.1%	$437K-77.4%	$1.9M+0.7%

Not reported in any period shown, so not listed: Depreciation & Amortization, Share Buybacks.

JRVR Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

JRVR quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Net Margin	6.9%+18.4pp	-11.5%+1.8pp	-13.3%-17.9pp	4.7%+33.1pp	-28.4%-29.1pp	0.7%-3.5pp	4.2%-3.0pp	7.2%+1.9pp	5.3%-7.4pp	12.7%+2.1pp	10.6%+0.4pp	10.2%-7.3pp	17.4%
Return on Equity	8.8%+26.4pp	-17.6%+2.5pp	-20.1%-25.7pp	5.6%+29.4pp	-23.8%-24.4pp	0.6%-4.3pp	4.9%-4.1pp	9.0%+2.7pp	6.3%-4.5pp	10.7%+2.9pp	7.9%+1.4pp	6.5%-3.1pp	9.6%
Return on Assets	1.0%+2.6pp	-1.6%+0.4pp	-2.0%-2.6pp	0.6%+4.1pp	-3.5%-3.6pp	0.1%-0.7pp	0.8%-1.3pp	2.0%+0.4pp	1.6%-1.6pp	3.2%+0.6pp	2.6%+0.3pp	2.3%-1.4pp	3.7%
Debt-to-Equity	7.78-1.8x	9.57+0.9x	8.67+0.7x	8.02+2.2x	5.82+0.5x	5.36-0.1x	5.45+5.3x	0.170.0x	0.140.0x	0.130.0x	0.130.0x	0.13-1.4x	1.58
Asset Turnover	0.140.0x	0.140.0x	0.150.0x	0.130.0x	0.120.0x	0.130.0x	0.18-0.1x	0.280.0x	0.300.0x	0.250.0x	0.250.0x	0.220.0x	0.21
FCF Margin	-3.4%+32.2pp	-35.6%-45.6pp	10.0%-22.4pp	32.4%	-151.0%	-41.0%	164.1%	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	4.0%+1.3pp	-5.9%-11.4pp	19.1%+70.2pp	0.6%+21.1pp	2.7%-1.3pp	5.6%-2.1pp	-51.1%+17.7pp	-20.6%-29.9pp
Return on Equity	1.2%+0.3pp	-1.7%-3.7pp	6.0%+20.0pp	0.2%+7.6pp	1.0%-0.4pp	2.0%-0.9pp	-14.1%+14.0pp	-7.4%-10.9pp
Return on Assets	0.1%0.0pp	-0.2%-0.4pp	0.7%+1.9pp	0.0%+0.8pp	0.1%-0.1pp	0.2%-0.1pp	-1.3%+1.5pp	-0.8%-1.2pp
Debt-to-Equity	7.88-1.0x	7.93-1.0x	7.78-1.8x	8.56+0.5x	8.92+1.4x	8.94+0.5x	9.57+0.9x	8.08+0.1x
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x
FCF Margin	-3.7%-17.8pp	-0.5%+30.1pp	-17.4%-21.2pp	19.5%	14.1%+19.1pp	-30.6%-42.2pp	3.7%+9.7pp	-141.4%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
James River Group Holdings, Inc. JRVR	FY2025	$687.6M	$47.4M	6.9%	$179.0M	16/100
Ambac Financial Group, Inc. AMBC	FY2025	$251.2M	-$259.0M	N/A	$419.0M	20/100
MBIA Inc. MBI	FY2025	$80.0M	-$177.0M	N/A	$225.0M	2/100
Investors Title Co ITIC	FY2025	$272.8M	$35.2M	12.9%	$548.1M	38/100
Tiptree Inc. TIPT	FY2025	$488K	$34.9M	N/A	$612.2M	—
AMERISAFE, Inc. AMSF	FY2025	$317.3M	$47.1M	14.8%	$473.0M	53/100

Where James River Group Holdings, Inc. Ranks

Frequently Asked Questions

What is James River Group Holdings, Inc.'s annual revenue?

James River Group Holdings, Inc. (JRVR) reported $687.6M in total revenue for fiscal year 2025. This represents a -2.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is James River Group Holdings, Inc.'s revenue growing?

James River Group Holdings, Inc. (JRVR) revenue declined by 2.8% year-over-year, from $707.6M to $687.6M in fiscal year 2025.

Is James River Group Holdings, Inc. profitable?

Yes, James River Group Holdings, Inc. (JRVR) reported a net income of $47.4M in fiscal year 2025, with a net profit margin of 6.9%.

What is James River Group Holdings, Inc.'s net profit margin?

James River Group Holdings, Inc. (JRVR) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does James River Group Holdings, Inc. pay dividends?

Yes, James River Group Holdings, Inc. (JRVR) paid $0.04 per share in dividends during fiscal year 2025.

What is James River Group Holdings, Inc.'s return on equity (ROE)?

James River Group Holdings, Inc. (JRVR) has a return on equity of 8.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is James River Group Holdings, Inc.'s free cash flow?

James River Group Holdings, Inc. (JRVR) recorded an outflow of $23.6M in free cash flow during fiscal year 2025. This represents a 90.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is James River Group Holdings, Inc.'s operating cash flow?

James River Group Holdings, Inc. (JRVR) recorded an outflow of $18.8M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are James River Group Holdings, Inc.'s total assets?

James River Group Holdings, Inc. (JRVR) had $4.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are James River Group Holdings, Inc.'s capital expenditures?

James River Group Holdings, Inc. (JRVR) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does James River Group Holdings, Inc. have outstanding?

James River Group Holdings, Inc. (JRVR) had 46M shares outstanding as of fiscal year 2025.

What is James River Group Holdings, Inc.'s debt-to-equity ratio?

James River Group Holdings, Inc. (JRVR) had a debt-to-equity ratio of 7.78 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is James River Group Holdings, Inc.'s return on assets (ROA)?

James River Group Holdings, Inc. (JRVR) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is James River Group Holdings, Inc.'s P/E ratio?

James River Group Holdings, Inc. (JRVR) trades at 5.9x earnings, its market capitalization divided by net income of $30.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $179.0M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is James River Group Holdings, Inc.'s price-to-sales ratio?

James River Group Holdings, Inc. (JRVR) trades at 0.3x sales, its market capitalization divided by revenue of $653.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $179.0M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is James River Group Holdings, Inc.'s Piotroski F-Score?

James River Group Holdings, Inc. (JRVR) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are James River Group Holdings, Inc.'s earnings high quality?

For every $1 of reported earnings, James River Group Holdings, Inc. (JRVR) used $0.40 of operating cash (-$18.8M OCF vs $47.4M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is James River Group Holdings, Inc.?

James River Group Holdings, Inc. (JRVR) scores 16 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.