Stocks · Financial Services · Insurance - Specialty
James River Group Holdings, Ltd. JRVR
$3.43 -1.72% Close, Oct 5, 2026 · NASDAQ · Market cap $161.4M
Weak trendInexpensive vs sectorHigh risk
Next earnings report: Nov 2, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 4.7% from -13.1% a year earlier.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- The stock is 52% below its highest close of the past year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 23%
- Revenue growth, 3-year CAGRBottom 10%
- Revenue growth accelerationTop 48%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 49%
- Gross marginBottom 10%
- Operating marginBottom 14%
- Cash conversion (OCF / net income)Bottom 22%
- Accruals (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Bottom 38%
- Interest coverTop 41%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 15%
- Free-cash-flow yieldBottom 14%
- EBITDA / enterprise valueTop 9%
- Sales / enterprise valueTop 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 8%
- 6-month returnBottom 1%
- 1-year return vs S&P 500Bottom 7%
- Distance from 52-week highBottom 5%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 13%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 34%
- Upside to consensus price targetTop 46%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 19%
- Maximum drawdown, 3 yearsBottom 5%
- Beta vs S&P 500 (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Bottom 38%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -1.8% | -1.8% | ↓ |
| Gross margin | 31.0% | 30.8% | ↓ |
| Operating margin | -13.1% | 4.7% | ↑ |
| FCF margin | -44.2% | -0.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.8% | -1.8% | ↓ | Bottom 23% |
| Gross margin | 30.8% | 31.0% | ↓ | Bottom 10% |
| Operating margin | 4.7% | -13.1% | ↑ | Bottom 14% |
| Net margin | 4.7% | -13.5% | ↑ | — |
| Free-cash-flow margin | -0.4% | -44.2% | ↑ | — |
| Return on invested capital | 1.2% | — | Bottom 49% | |
| Revenue growth, 3-year CAGR | 1.3% | — | Bottom 10% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.06×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -92.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.58×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.85%
- Net buyback yield (TTM)
- 0.12%
- Shareholder yield
- 4.97%
- Share count change, 1 year
- +1.1%
- Share count change, 3-year CAGR
- +7.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 2 of 8
- Average EPS surprise, last 4
- -13.3%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $4.00
- Target vs current price
- +16.6%
- Analysts with a rating
- 14
- Share rating Buy or Strong Buy
- 36%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | -17.7% | -3.4% | -11.3% | -11.5% | — |
| May 4, 2026 | -55.4% | -1.0% | -33.0% | -36.3% | -23.6% |
| Mar 2, 2026 | -3.2% | +1.9% | -7.6% | -12.1% | -43.3% |
| Nov 3, 2025 | +23.1% | +1.4% | +8.0% | +13.3% | +32.4% |
| Aug 4, 2025 | +4.5% | +1.5% | +2.9% | +3.3% | -0.6% |
| May 5, 2025 | -20.8% | +2.5% | -2.7% | +22.1% | +15.7% |
| Mar 3, 2025 | -200.0% | -1.0% | -17.8% | -14.1% | +14.3% |
| Nov 11, 2024 | -212.1% | +1.1% | -29.3% | -27.9% | -26.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.20 | $0.24 | -17.7% | $139.0M |
| May 4, 2026 | $0.12 | $0.27 | -55.4% | $135.7M |
| Mar 2, 2026 | $0.30 | $0.31 | -3.2% | $147.3M |
| Nov 3, 2025 | $0.32 | $0.26 | +23.1% | $172.7M |
| Aug 4, 2025 | $0.23 | $0.22 | +4.5% | $174.8M |
| May 5, 2025 | $0.19 | $0.24 | -20.8% | $172.3M |
| Mar 3, 2025 | -$0.99 | -$0.33 | -200.0% | $126.7M |
| Nov 11, 2024 | -$0.74 | $0.66 | -212.1% | $191.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.8× | — | — | Top 15% |
| P/E (forward) | 4.9× | — | — | — |
| EV / EBITDA | 5.9× | — | — | Top 9% |
| EV / Sales | 0.44× | — | — | Top 3% |
| Free-cash-flow yield | -1.43% | — | — | Bottom 14% |
| Earnings yield | 10.19% | — | — | Top 15% |
P/E over the past five years
Range 6.3× – 35.4× since Dec 31, 2022. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -7.5%
- 200-day average slope (20 days)
- -4.3%
- Distance from 50-day average
- -15.6%
- Distance from 200-day average
- -34.7%
- RSI (14)
- 28.4
- Relative volume
- 1.80×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 36.2%
- Volatility vs own 5-year history
- 24th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.68
- Correlation with S&P 500
- 0.22
- Current drawdown from 1-year high
- -51.9%
- Maximum drawdown, 3 years
- -77.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 23, 2020 | Sep 29, 2026 | -93.8% | 1488 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $161.4M
- P/E (TTM)
- 9.8
- EPS, diluted (TTM)
- $0.35
- Revenue (TTM)
- $653.2M
- Dividend yield
- 1.17%
- 52-week range
- $3.36 – $7.20
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $609.0M | $661.5M | $812.0M | $707.6M | $687.6M |
| Gross profit | -$5.0M | $171.1M | $239.2M | $87.3M | $195.0M |
| Operating income | -$108.1M | $53.3M | $86.9M | -$71.1M | $50.5M |
| Net income | -$172.8M | $31.0M | -$107.7M | -$81.1M | $47.4M |
| EPS (diluted) | -$4.94 | $0.59 | -$3.13 | -$3.06 | $0.79 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $191.5M | $126.7M | $172.3M | $174.8M | $172.7M | $167.7M | $151.4M | $161.3M |
| Net income | -$39.4M | -$64.8M | $9.6M | $4.8M | $1.0M | $32.1M | -$8.9M | $6.4M |
| EPS (diluted) | -$1.10 | -$2.25 | $0.13 | $0.06 | -$0.02 | $0.50 | -$0.23 | $0.10 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$913.5M | $222.7M | $88.0M | -$247.1M | -$18.8M |
| Capital expenditure | -$6.3M | -$8.2M | -$6.4M | -$4.9M | -$4.8M |
| Free cash flow | -$919.8M | $214.5M | $81.5M | -$252.0M | -$23.6M |
| Dividends paid | -$43.2M | -$7.8M | -$7.7M | -$6.2M | -$9.9M |
| Net share buybacks | $192.1M | $143.6M | -$1.7M | $12.5M | -$745,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $835.2M
- Total assets
- $2.48B
- Total liabilities
- $1.83B
- Total debt
- $329.9M
- Net debt
- $125.6M
- Shareholders’ equity
- $655.7M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.01 | Sep 30, 2026 |
| Jun 8, 2026 | $0.01 | Jun 30, 2026 |
| Mar 13, 2026 | $0.01 | Mar 31, 2026 |
| Dec 15, 2025 | $0.01 | Dec 31, 2025 |
| Sep 15, 2025 | $0.01 | Sep 30, 2025 |
| Jun 9, 2025 | $0.01 | Jun 30, 2025 |
| Mar 10, 2025 | $0.01 | Mar 31, 2025 |
| Dec 16, 2024 | $0.01 | Dec 31, 2024 |
Short interest
- Shares sold short
- 1,810,357
- Days to cover
- 7.43
- Change vs previous report
- +3.9%
FINRA short interest, settlement date Sep 15, 2026.