JRVR James River Group Holdings, Inc. - Common Stock
NASDAQ · Insurance · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$3.49
· of 52w range
· above low
· to high
$3.3652w low
$7.2052w high
Market Cap (MRQ)
$161M
P/E (TTM)
7.9
EPS (TTM)
$0.44
Revenue (TTM)
$653M
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52W Range
$3–$7
Analyst Rating
HOLD
Price Target
$5
P/E
7.9
ROE
6.0%
Net Profit Margin
4.7%
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JRVR Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$3.49
Market Cap (MRQ)
$161M
P/E (TTM)
7.9
EPS (TTM)
$0.44
Revenue (TTM)
$653M
ROE (TTM)
6.0%
52W Range
$3–$7
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$688M2021-12-31 → 2025-12-31
EPS$0.792021-12-31 → 2025-12-31
Net margin4.7%
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | JRVR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 7.95Y avg ≈1.2 | ≈1.2 | · | · | |
| P/S (TTM) | 0.2 | · | 0.9 | Undervalued | |
| P/B (MRQ) | 0.3 | · | 0.5 | Undervalued | |
| Price / FCF (TTM) | -69.8 | · | · | · | |
| Price / Cash Flow (TTM) | 92.2 | · | · | · | |
| Price / Tangible Book (MRQ) | 0.35Y avg ≈1.0 | ≈1.0 | · | · | |
| PEG Ratio | ≈0.2 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | JRVR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 3.8% | · | 5.2% | In line | |
| Net Profit Margin (TTM) | 4.7% | · | 4.0% | In line | |
| ROA (TTM) | 0.62% | · | -2.0% | Top tier | |
| ROE (TTM) | 6.0% | · | 8.7% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | JRVR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -2.8%5Y avg ≈2.4% | ≈2.4% | · | · | |
| Revenue CAGR 3Y | 1.3%5Y avg ≈4.4% | ≈4.4% | · | · | |
| Revenue CAGR 5Y | 0.56% | · | · | · | |
| EPS CAGR 3Y | 10.2% | · | · | · | |
| EPS CAGR 5Y | 37.6% | · | · | · | |
| Net Income CAGR 3Y | 15.3% | · | · | · | |
| Net Income CAGR 5Y | 58.0% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | JRVR | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue / Employee | ≈$1.2M | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$0.04
5Y Div CAGR≈-49.4%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 15, 2026 | $0.01 | USD | ≈1.0% |
| Jun 8, 2026 | $0.01 | USD | ≈1.0% |
| Mar 13, 2026 | $0.01 | USD | ≈0.63% |
| Dec 15, 2025 | $0.01 | USD | ≈0.59% |
| Sep 15, 2025 | $0.01 | USD | ≈1.7% |
| Jun 9, 2025 | $0.01 | USD | ≈2.2% |
| Mar 10, 2025 | $0.01 | USD | ≈3.1% |
| Dec 16, 2024 | $0.01 | USD | ≈3.5% |
| Sep 16, 2024 | $0.05 | USD | ≈3.0% |
| Jun 10, 2024 | $0.05 | USD | ≈2.6% |
| Mar 8, 2024 | $0.05 | USD | ≈2.1% |
| Dec 8, 2023 | $0.05 | USD | ≈2.2% |
| Sep 8, 2023 | $0.05 | USD | ≈1.4% |
| Jun 9, 2023 | $0.05 | USD | ≈0.99% |
| Mar 10, 2023 | $0.05 | USD | ≈0.89% |
| Dec 9, 2022 | $0.05 | USD | ≈2.2% |
| Sep 9, 2022 | $0.05 | USD | ≈3.1% |
| Jun 10, 2022 | $0.05 | USD | ≈2.8% |
| Mar 11, 2022 | $0.05 | USD | ≈4.5% |
| Dec 10, 2021 | $0.30 | USD | ≈4.8% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-18.4%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 3, 2026 | $0.20 | $0.25 | -18.9% |
| March 31, 2026 | $0.12 | $0.28 | -57.1% | |
| Dec. 31, 2025 | $0.30 | $0.43 | -30.5% | |
| Sept. 30, 2025 | $0.32 | $0.25 | 29.3% | |
| June 30, 2025 | $0.23 | $0.24 | -2.9% | |
| March 31, 2025 | $0.19 | $0.27 | -30.6% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $688M | $708M | $812M | $662M | $609M | $669M | $907M | $886M | $818M | $586M | $505M | |
| Operating Expenses | · | · | · | · | · | $657M | $855M | $815M | $762M | $507M | $445M | |
| Interest Expense | $24M | $25M | $25M | $14M | $9M | $10M | $11M | $12M | $9M | $8M | $7M | |
| Pretax Income | $51M | $-71M | $87M | $53M | $-108M | $12M | $52M | $71M | $55M | $79M | $60M | |
| Income Tax | $723.0K | $-8M | $26M | $18M | $-23M | $7M | $14M | $7M | $12M | $5M | $6M | |
| Net Income | $47M | $-81M | $-108M | $31M | $-173M | $5M | $38M | $64M | $44M | $74M | $53M | |
| EPS (Basic) | $0.86 | $-3.06 | $-3.14 | $0.59 | $-4.94 | $0.16 | $1.27 | $2.14 | $1.48 | $2.56 | $1.87 | |
| EPS (Diluted) | $0.79 | $-3.06 | $-3.13 | $0.59 | $-4.94 | $0.16 | $1.25 | $2.11 | $1.44 | $2.49 | $1.82 | |
| Shares (Basic) | 45,968,359 | 38,685,003 | 37,618,660 | 37,442,856 | 34,956,957 | 30,552,210 | 30,275,184 | 29,887,990 | 29,461,717 | 29,063,075 | 28,662,051 | |
| Shares (Diluted) | 60,013,622 | 38,685,003 | 37,810,440 | 37,650,969 | 34,956,957 | 30,884,416 | 30,673,924 | 30,307,101 | 30,273,149 | 29,894,378 | 29,334,918 | |
| EBITDA | · | · | · | · | · | · | $4M | $4M | $2M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $261M | $362M | $274M | $159M | $190M | $162M | $207M | $172M | $163M | $110M | $106M | |
| Short-term Investments | · | · | · | · | · | · | · | $82M | $37M | $51M | · | |
| PP&E (Net) | $22M | $20M | $17M | $1M | $781.0K | $1M | $2M | $23M | $25M | $25M | · | |
| PP&E (Gross) | $31M | $27M | $22M | $5M | $5M | $5M | $9M | $41M | $40M | $38M | · | |
| Accum. Depreciation | $9M | $7M | $5M | $4M | $4M | $4M | $7M | $18M | $15M | $13M | · | |
| Goodwill | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | |
| Intangibles | $32M | $32M | $33M | $36M | $36M | $36M | $37M | $38M | $38M | $39M | $40M | |
| Total Assets | $4.86B | $5.01B | $5.32B | $5.14B | $4.95B | $5.06B | $5.02B | $3.14B | $2.76B | $2.35B | $2.06B | |
| Deferred Tax | · | · | · | · | $0 | $1M | $0 | $0 | $5M | $3M | · | |
| Total Liabilities | $4.19B | $4.41B | $4.64B | $4.44B | $4.22B | $4.27B | $4.25B | $2.43B | $2.06B | $1.65B | · | |
| Long-term Debt | · | · | · | · | · | · | · | $118M | $98M | $88M | · | |
| Common Stock | · | · | · | $7.0K | $7.0K | $6.0K | $6.0K | $6.0K | $6.0K | $6.0K | · | |
| Paid-in Capital | $938M | $933M | $876M | $869M | $862M | $664M | $658M | $645M | $636M | $637M | · | |
| Retained Earnings | $-365M | $-402M | $-278M | $-152M | $-167M | $49M | $90M | $80M | $48M | $55M | · | |
| AOCI | $-35M | $-70M | $-64M | $-163M | $30M | $82M | $31M | $-16M | $10M | $1M | · | |
| Stockholders' Equity | $538M | $461M | $535M | $554M | $725M | $796M | $779M | $709M | $695M | $693M | $681M | |
| Liabilities + Equity | $4.86B | $5.01B | $5.32B | $5.14B | $4.95B | $5.06B | $5.02B | $3.14B | $2.76B | $2.35B | · | |
| Shares Outstanding | 45,968,584 | 45,644,318 | 37,641,563 | 37,470,237 | 37,373,066 | 30,649,261 | 30,424,391 | 29,988,460 | 29,696,682 | 29,257,566 | 28,941,547 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $-717.0K | $-709.0K | $-475.0K | $1M | $5M | $5M | $4M | $4M | $2M | $2M | $2M | |
| Stock-based Comp | $5M | $7M | $9M | $8M | $7M | $8M | $7M | $6M | $8M | $5M | $4M | |
| Deferred Tax | $-13M | $-11M | $-6M | $5M | $-20M | $-4M | $-5M | $-6M | $-364.0K | $5M | $922.0K | |
| Amort. of Intangibles | $363.0K | $363.0K | $363.0K | $363.0K | $363.0K | $538.0K | $597.0K | $597.0K | $597.0K | $597.0K | $597.0K | |
| Other Non-cash | · | · | · | · | · | · | $1.44B | $222M | $155M | · | · | |
| Operating Cash Flow | $-19M | $-247M | $88M | $223M | $-914M | $-274M | $1.49B | $290M | $208M | $154M | $120M | |
| CapEx | $5M | $5M | $6M | $8M | $6M | $549.0K | $519.0K | · | · | · | · | |
| Investing Cash Flow | $-116M | $307M | $17M | $-328M | $36M | $-176M | $-263M | $-267M | $-105M | $-81M | $-34M | |
| Stock Issued | $0 | $12M | $0 | $0 | $192M | $0 | $0 | · | · | · | · | |
| Stock Repurchased | · | · | · | $1M | $3M | $4M | $3M | $2M | $9M | $5M | $6M | |
| Net Stock Activity | · | · | · | · | · | · | $-3M | $-2M | $-9M | · | · | |
| Dividends Paid | $2M | $6M | $8M | $8M | $43M | $37M | $37M | $36M | $51M | $66M | $47M | |
| Financing Cash Flow | $13M | $-29M | $-21M | $90M | $148M | $66M | $8M | $-14M | $-49M | $-70M | $-53M | |
| Net Change in Cash | $-122M | $31M | $84M | $-16M | $-730M | $-384M | $1.23B | $9M | $54M | $3M | $33M | |
| Taxes Paid | · | $25M | $45M | $-3M | $-4M | $17M | $19M | $8M | $10M | $-59.0K | $-3M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | · | · | · | · | · | · | 4.2% | 7.2% | 5.3% | · | · | |
| Pretax Margin | · | · | · | · | · | · | 5.7% | 8.0% | 6.7% | · | · | |
| EBITDA Margin | · | · | · | · | · | · | 0.45% | 0.48% | 0.26% | · | · | |
| ROA | · | · | · | · | · | · | 0.88% | 2.1% | 1.6% | · | · | |
| ROE | · | · | · | · | · | · | 5.0% | 9.1% | 6.2% | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | · | · | · | · | · | 0.2 | 0.3 | 0.3 | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | · | · | · | · | · | $25.59 | $23.65 | $23.39 | · | · | |
| Revenue / Share | · | · | · | · | · | · | $29.57 | $29.22 | $27.01 | · | · | |
| Cash Flow / Share | · | · | · | · | · | · | $48.54 | $9.57 | $6.86 | · | · | |
| Cash / Share | · | · | · | · | · | · | $6.80 | $5.75 | $5.51 | · | · | |
| Dividend / Share | $0.04 | $0.16 | $0.20 | $0.20 | $1.20 | $1.20 | $1.20 | $1.20 | $1.70 | $2.25 | $1.64 | |
| EPS (TTM) | $0.79 | $-3.06 | $-3.13 | $0.59 | $-4.94 | $0.16 | $1.25 | $2.11 | $1.44 | $2.49 | $1.82 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -2.8% | -12.8% | 22.8% | 8.6% | -8.9% | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 1.3% | 5.1% | 6.7% | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 0.56% | · | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 10.2% | · | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 37.6% | · | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 15.3% | · | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 58.0% | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | -44.2% | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $688M | $708M | $812M | $662M | $609M | $669M | $907M | $886M | $818M | $586M | $505M | |
| Net Income TTM | $47M | $-81M | $-108M | $31M | $-173M | $5M | $38M | $64M | $44M | $74M | $53M | |
| Market Cap | · | · | · | · | · | · | $1.25B | $1.10B | $1.19B | · | · | |
| P/E | 8.1 | -1.6 | -3.0 | 35.4 | -5.8 | 307.2 | 33.0 | 17.3 | 27.8 | 16.7 | 18.4 | |
| P/S | · | · | · | · | · | · | 1.4 | 1.2 | 1.5 | · | · | |
| P/B | · | · | · | · | · | · | 1.6 | 1.5 | 1.7 | · | · | |
| P / Tangible Book | 0.9 | 0.9 | 1.1 | 2.3 | 2.1 | 2.6 | · | · | · | · | · | |
| P / Cash Flow | · | · | · | · | · | · | 0.8 | 3.8 | 5.7 | · | · | |
| Dividend Yield | · | · | · | · | · | · | 2.9% | 3.3% | 4.3% | · | · | |
| Earnings Yield | 12.4% | -62.8% | -33.9% | 2.8% | -17.2% | 0.33% | 3.0% | 5.8% | 3.6% | 6.0% | 5.4% | |
| Payout Ratio | · | · | · | · | · | · | 95.8% | 56.6% | 116.7% | · | · | |
| Annual Payout | $2M | $6M | $8M | $8M | $43M | $37M | $37M | $36M | $51M | $66M | $47M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $161M | $151M | $168M | $173M | $175M | $172M | $127M | $191M | $188M | $201M | $215M | $210M | $195M | $192M | $74M | $162M | |
| Interest Expense | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $7M | $6M | $6M | $6M | $3M | $5M | |
| Pretax Income | $8M | $-11M | $25M | $3M | $7M | $16M | $-72M | $-52M | $20M | $33M | $27M | $31M | $18M | $11M | $34M | $-5M | |
| Income Tax | $2M | $-2M | $-8M | $1M | $2M | $5M | $-9M | $-14M | $6M | $9M | $10M | $7M | $6M | $3M | $12M | $8.0K | |
| Net Income | $6M | $-9M | $32M | $1M | $5M | $10M | $-65M | $-39M | $8M | $15M | $-153M | $20M | $16M | $10M | $18M | $-5M | |
| EPS (Basic) | $0.10 | $-0.23 | $0.65 | $-0.02 | $0.06 | $0.17 | $-2.43 | $-1.10 | $0.13 | $0.34 | $-4.13 | $0.45 | $0.35 | $0.19 | $0.40 | $-0.19 | |
| EPS (Diluted) | $0.10 | $-0.23 | $0.59 | $-0.02 | $0.06 | $0.16 | $-2.44 | $-1.10 | $0.13 | $0.35 | $-4.11 | $0.45 | $0.35 | $0.18 | $0.40 | $-0.19 | |
| Shares (Basic) | 46,319,945 | 46,099,930 | · | 46,026,399 | 46,032,626 | 45,803,501 | · | 37,880,297 | 37,869,322 | 37,733,710 | · | 37,642,632 | 37,642,289 | 37,531,819 | · | 37,450,381 | |
| Shares (Diluted) | 46,962,276 | 46,099,930 | · | 46,026,399 | 46,726,255 | 59,659,075 | · | 37,880,297 | 38,037,393 | 44,638,969 | · | 43,463,064 | 37,858,747 | 37,785,452 | · | 37,450,381 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $196M | $228M | $261M | $239M | $220M | $279M | $362M | $360M | $673M | $305M | · | $233M | $227M | $200M | · | $188M | |
| PP&E (Net) | · | · | $22M | · | · | · | $20M | · | · | · | · | · | · | · | · | · | |
| PP&E (Gross) | · | · | $31M | · | · | · | $27M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $9M | · | · | · | $7M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | |
| Intangibles | $32M | $32M | $32M | $32M | $32M | $32M | $32M | $33M | $33M | $33M | $33M | $33M | $35M | $36M | $36M | $36M | |
| Total Assets | $4.77B | $4.76B | $4.86B | $4.95B | $5.02B | $4.95B | $5.01B | $4.96B | $4.74B | $5.25B | · | $5.19B | $5.30B | $5.21B | · | $5.21B | |
| Total Liabilities | $4.12B | $4.11B | $4.19B | $4.31B | $4.39B | $4.33B | $4.41B | $4.28B | $4.05B | $4.57B | · | $4.49B | $4.57B | $4.47B | · | $4.53B | |
| Common Stock | · | · | · | · | · | · | · | · | · | · | · | · | · | $7.0K | · | $7.0K | |
| Paid-in Capital | $940M | $938M | $938M | $937M | $936M | $935M | $933M | $881M | $880M | $878M | · | $875M | $872M | $870M | · | $867M | |
| Retained Earnings | $-372M | $-376M | $-365M | $-394M | $-393M | $-395M | $-402M | $-308M | $-264M | $-267M | · | $-123M | $-138M | $-147M | · | $-165M | |
| AOCI | $-45M | $-44M | $-35M | $-39M | $-51M | $-56M | $-70M | $-43M | $-74M | $-71M | · | $-189M | $-149M | $-132M | · | $-175M | |
| Stockholders' Equity | $523M | $518M | $538M | $504M | $493M | $484M | $461M | $530M | $542M | $540M | $535M | $563M | $586M | $591M | $554M | $527M | |
| Liabilities + Equity | $4.77B | $4.76B | $4.86B | $4.95B | $5.02B | $4.95B | $5.01B | $4.96B | $4.74B | $5.25B | · | $5.19B | $5.30B | $5.21B | · | $5.21B | |
| Shares Outstanding | 46,239,030 | 46,236,856 | 45,968,584 | 45,936,898 | 45,895,335 | 45,892,706 | 45,644,318 | 37,829,475 | 37,825,767 | 37,822,340 | 37,641,563 | 37,619,749 | 37,619,226 | 37,619,226 | 37,470,237 | 37,450,438 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amort. of Intangibles | $91.0K | $91.0K | $91.0K | $90.0K | $91.0K | $91.0K | $91.0K | $90.0K | $91.0K | $91.0K | $91.0K | $90.0K | $91.0K | $91.0K | $91.0K | $90.0K | |
| Operating Cash Flow | $-5M | $-684.0K | $-27M | $34M | $25M | $-51M | $7M | $-270M | $-9M | $24M | $-10M | $55M | $23M | $19M | $55M | $29M | |
| CapEx | $855.0K | $82.0K | $2M | $663.0K | $459.0K | $1M | $3M | $830.0K | $582.0K | $745.0K | $3M | $1M | $876.0K | $1M | $4M | $1M | |
| Investing Cash Flow | $-24M | $-29M | $30M | $-13M | $-81M | $-53M | $-14M | $-35M | $309M | $47M | $35M | $-45M | $10M | $17M | $-66M | $-187M | |
| Stock Issued | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | $0 | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | · | · | $2M | · | $0 | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | · | · | $-2M | · | · | |
| Dividends Paid | $464.0K | $521.0K | $470.0K | $467.0K | $461.0K | $600.0K | $437.0K | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $-2M | $-3M | $-3M | $-3M | $-4M | $22M | $10M | $-7M | $-26M | $-5M | $-5M | $-3M | $-5M | $-9M | $-2M | $-4M | |
| Net Change in Cash | $-32M | $-33M | $1M | $19M | $-59M | $-83M | $3M | $-312M | $274M | $66M | $20M | $7M | $29M | $28M | $-14M | $-163M | |
| Free Cash Flow | · | $-766.0K | · | · | · | $-53M | · | · | · | $23M | · | · | · | $18M | · | · | |
| Levered FCF | · | $-5M | · | · | · | $-56M | · | · | · | $19M | · | · | · | $13M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 4.0% | -5.9% | · | 0.59% | 2.7% | 5.6% | · | -20.6% | 4.0% | 7.7% | · | 8.4% | 7.0% | 4.1% | · | -2.3% | |
| Pretax Margin | 5.2% | -7.0% | · | 1.5% | 4.2% | 9.3% | · | -27.2% | 10.7% | 16.4% | · | 11.4% | 9.4% | 5.4% | · | -2.3% | |
| ROA | 0.13% | -0.18% | · | 0.02% | 0.10% | 0.19% | · | -0.78% | 0.15% | 0.29% | · | 0.38% | 0.30% | 0.18% | · | -0.09% | |
| ROE | 1.3% | -1.8% | · | 0.20% | 0.92% | 1.9% | · | -7.2% | 1.4% | 2.7% | · | 3.6% | 2.7% | 1.6% | · | -0.69% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $11.30 | $11.21 | · | $10.96 | $10.73 | $10.56 | · | $14.02 | $14.32 | $14.27 | · | $14.95 | $15.56 | $15.71 | · | $14.07 | |
| Revenue / Share | $3.44 | $3.28 | · | $3.75 | $3.74 | $2.89 | · | $5.06 | $4.95 | $4.51 | · | $6.17 | $6.05 | $6.24 | · | $5.37 | |
| Cash Flow / Share | · | $-0.01 | · | · | · | $-0.86 | · | · | · | $0.54 | · | · | · | $0.51 | · | · | |
| Cash / Share | $4.23 | $4.92 | · | $5.20 | $4.79 | $6.09 | · | $9.51 | $17.78 | $8.08 | · | $6.19 | $6.04 | $5.31 | · | $5.01 | |
| Dividend / Share | $0.01 | $0.01 | $0.01 | $0.01 | $0.01 | $0.01 | $0.01 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | |
| EPS (TTM) | $0.44 | $0.40 | · | $-2.24 | $-3.32 | $-3.25 | · | $-4.73 | $-3.18 | $-2.96 | · | $1.38 | $0.74 | $0.52 | · | $-1.34 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $653M | $667M | · | $647M | $665M | $679M | · | $796M | $815M | $821M | · | $670M | $622M | $582M | · | $518M | |
| Net Income TTM | $31M | $29M | · | $-49M | $-90M | $-87M | · | $-169M | $-110M | $-102M | · | $63M | $39M | $30M | · | $-53M | |
| Market Cap | $203M | $291M | · | $255M | $269M | $193M | · | $237M | $292M | $352M | · | $577M | $687M | $777M | · | $854M | |
| P/E | 10.0 | 15.8 | · | -2.5 | -1.8 | -1.3 | · | -1.3 | -2.4 | -3.1 | · | 11.1 | 24.7 | 39.7 | · | -17.0 | |
| P/S | 0.3 | 0.4 | · | 0.4 | 0.4 | 0.3 | · | 0.3 | 0.4 | 0.4 | · | 0.9 | 1.1 | 1.3 | · | 1.6 | |
| P/B | 0.4 | 0.6 | · | 0.5 | 0.5 | 0.4 | · | 0.4 | 0.5 | 0.7 | · | 1.0 | 1.2 | 1.3 | · | 1.6 | |
| P / Tangible Book | 0.7 | 1.0 | · | 0.9 | 1.0 | 0.7 | · | 0.8 | 0.9 | 1.1 | · | 1.7 | 1.9 | 2.1 | · | 2.8 | |
| P / Cash Flow | · | -425.9 | · | · | · | -3.7 | · | · | · | 14.6 | · | · | · | 39.9 | · | · | |
| Dividend Yield | 0.94% | 0.66% | · | 0.77% | 1.3% | 2.5% | · | 3.3% | 2.6% | 2.2% | · | 1.3% | 1.1% | 0.99% | · | 2.0% | |
| Earnings Yield | 10.0% | 6.3% | · | -40.4% | -56.7% | -77.4% | · | -75.4% | -41.1% | -31.8% | · | 9.0% | 4.0% | 2.5% | · | -5.9% | |
| Payout Ratio | · | -5.8% | · | · | · | 6.3% | · | · | · | 13.0% | · | · | · | 21.3% | · | · | |
| Annual Payout | $2M | $2M | · | $2M | $3M | $5M | · | $8M | $8M | $8M | · | $8M | $8M | $8M | · | $17M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2023-12-31 |
|---|---|---|---|---|---|
| Revenue | $688M | $708M | · | · | $812M |
| Net Income | $47M | $-81M | · | · | $-108M |
| Diluted EPS | $0.79 | $-3.06 | · | · | $-3.13 |
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 123 filers · $176.1M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
123
Value held
$176.1M
New positions
22
Exited positions
20
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 22 (0 vs prior Q) | 20 (+5 vs prior Q) | 48 (+3 vs prior Q) | 29 (+2 vs prior Q) | +1.7M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Gallatin Point Capital LLC | $25,781,250 | 5,859,375 | 14.64% | Shares |
| Zimmer Partners, LP | $20,344,214 | 4,623,685 | 11.55% | Shares |
| BlackRock, Inc. | $14,937,345 | 3,394,851 | 8.48% | Shares |
| VANGUARD GROUP INC | $14,401,475 | 2,264,383 | 8.18% | Shares |
| CONTINENTAL GENERAL INSURANCE CO | $11,473,383 | 2,607,587 | 6.52% | Shares |
| Enstar Group LTD | $11,339,366 | 2,590,765 | 6.44% | Shares |
| DONALD SMITH & CO., INC. | $10,737,527 | 2,440,347 | 6.10% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $7,586,308 | 1,724,161 | 4.31% | Shares |
| RBF Capital, LLC | $5,376,712 | 1,221,980 | 3.05% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $4,865,318 | 1,105,485 | 2.76% | Shares |
| DISCOVERY CAPITAL MANAGEMENT, LLC / CT | $4,660,282 | 1,059,155 | 2.65% | Shares |
| Boston Partners | $4,570,350 | 1,038,717 | 2.60% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $4,406,472 | 1,001,405 | 2.50% | Shares |
| STATE STREET CORP | $3,642,580 | 827,859 | 2.07% | Shares |
| MORGAN STANLEY | $3,260,252 | 740,966 | 1.85% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,235,283 | 508,019 | 1.27% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $2,165,913 | 492,253 | 1.23% | Shares |
| TWO SIGMA ADVISERS, LP | $2,034,564 | 319,900 | 1.16% | Shares |
| AMERICAN CENTURY COMPANIES INC | $1,655,223 | 376,187 | 0.94% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,584,994 | 360,226 | 0.90% | Shares |
| NORTHERN TRUST CORP | $1,527,226 | 347,097 | 0.87% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $1,427,334 | 324,394 | 0.81% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,362,684 | 309,701 | 0.77% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,317,782 | 299,496 | 0.75% | Shares |
| FLAX POND CAPITAL, LLC | $1,295,246 | 294,374 | 0.74% | Shares |
| D. E. Shaw & Co., Inc. | $1,241,895 | 282,249 | 0.71% | Shares |
| GOLDMAN SACHS GROUP INC | $996,534 | 226,485 | 0.57% | Shares |
| Quantinno Capital Management LP | $714,637 | 162,417 | 0.41% | Shares |
| ArrowMark Colorado Holdings LLC | $660,000 | 150,000 | 0.37% | Shares |
| Bank of New York Mellon Corp | $561,700 | 127,659 | 0.32% | Shares |
| Quinn Opportunity Partners LLC | $509,379 | 115,768 | 0.29% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $469,480 | 106,700 | 0.27% | Shares |
| ALLIANCEBERNSTEIN L.P. | $394,065 | 62,550 | 0.22% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $389,136 | 88,440 | 0.22% | Shares |
| CITADEL ADVISORS LLC | $341,440 | 77,600 | 0.19% | Put option |
| Public Sector Pension Investment Board | $334,206 | 75,956 | 0.19% | Shares |
| Nuveen, LLC | $310,961 | 70,673 | 0.18% | Shares |
| Russell Investments Group, Ltd. | $277,104 | 62,979 | 0.16% | Shares |
| AMERIPRISE FINANCIAL INC | $274,424 | 62,369 | 0.16% | Shares |
| TWO SIGMA INVESTMENTS, LP | $240,086 | 54,565 | 0.14% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $220,854 | 50,194 | 0.13% | Shares |
| XTX Topco Ltd | $205,797 | 46,772 | 0.12% | Shares |
| RHUMBLINE ADVISERS | $202,259 | 45,970 | 0.11% | Shares |
| SEI INVESTMENTS CO | $197,821 | 44,957 | 0.11% | Shares |
| UBS Group AG | $168,876 | 38,381 | 0.10% | Shares |
| Brandywine Global Investment Management, LLC | $166,441 | 26,170 | 0.09% | Shares |
| Invesco Ltd. | $161,850 | 36,784 | 0.09% | Shares |
| DEUTSCHE BANK AG\ | $160,516 | 36,481 | 0.09% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $141,068 | 32,061 | 0.08% | Shares |
| Graham Capital Management, L.P. | $139,718 | 31,754 | 0.08% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Zimmer Partners, LP, Zimmer Financial Services Group LLC, Zimmer Partners GP, LLC, Stuart J. Zimmer | May 15, 2026 | 10.00% | Initial filing | Passive investment | SEC |
| GPC Partners Investments (Thames) LP (2), GPC Partners II GP LLC (2), Gallatin Point Capital LLC (2), Matthew B. Botein (2), Lewis A. (Lee) Sachs (2) ×2 filings | Nov. 13, 2024 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 37 insiders · 16 officers · 20 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Frank D'Orazio | Chief Executive Officer | March 5, 2026 F | 546,399 | 0 | 0 | $0 |
| William K Bowman | Pres & CEO- Sp Adm Ins Sgmt | March 5, 2025 A | 62,305 | 0 | 0 | $0 |
| Richard Schmitzer | Pres. & CEO - E&S Lines Sgmt | March 5, 2025 A | 353,522 | 0 | 0 | $0 |
| Daniel Heinlein | Pres & CEO-Casualty Rein Sgmt | April 16, 2024 D | 29,748 | 0 | 0 | $0 |
| Terence M. Mccafferty | Pres & CEO- Sp Adm Ins Sgmt | March 2, 2023 F | 47,780 | 0 | 0 | $0 |
| Steven J Hartman | Pres. & CEO-Sp Adm Ins Sgmt | June 14, 2018 M | 66,910 | 0 | 0 | $0 |
| Dennis Roger Johnson | Pres. & CEO-Casual Rein. Sgmt | Feb. 21, 2018 A | 44,670 | 0 | 0 | $0 |
| Sarah C. Doran | Chief Financial Officer | March 5, 2026 F | 208,172 | 0 | 0 | $0 |
| Gregg T Davis | Chief Financial Officer | Dec. 17, 2016 F | 119,660 | 0 | 0 | $0 |
| Todd Randell Sutherland | President, E&S Lines Segment | Aug. 6, 2026 F | 90,983 | 0 | 0 | $0 |
| Robert Patrick Myron | President & COO | Feb. 20, 2021 F | 242,521 | 0 | 0 | $0 |
| James Paul Mccoy | Senior Vice President | March 5, 2026 F | 67,926 | 0 | 0 | $0 |
| Michael J. Hoffmann | SVP Chief Underwriting Officer | March 5, 2026 F | 120,796 | 0 | 0 | $0 |
| Jeanette L Miller | SVP, Chief Legal Officer | March 5, 2026 F | 84,144 | 0 | 0 | $0 |
| David B Gelinne | SVP, Chief Actuary | Oct. 26, 2023 F | 25,267 | 0 | 0 | $0 |
| David B. Zoffer | SVP Group Gen Counsel | Feb. 21, 2020 F | 14,984 | 0 | 0 | $0 |
| Rajiv Basu | Director | Aug. 12, 2026 A | 18,632 | 0 | 0 | $0 |
| Christine Lasala | Director | March 4, 2026 A | 82,371 | 0 | 0 | $0 |
| Peter B. Migliorato | Director | March 4, 2026 A | 53,610 | 0 | 0 | $0 |
| Joel D Cavaness | Director | March 4, 2026 A | 19,888 | 0 | 0 | $0 |
| Thomas Lynn Brown | Director | March 4, 2026 A | 44,549 | 0 | 0 | $0 |
| Dennis J. Langwell | Director | March 4, 2026 A | 35,418 | 0 | 0 | $0 |
| Matthew Botein | Director | Nov. 11, 2024 A | 5,859,375 | 0 | 0 | $0 |
| Ollie L. Sherman Jr. | Director | March 1, 2024 A | 28,654 | 0 | 0 | $0 |
| Patricia H Roberts | Director | March 1, 2024 A | 18,002 | 0 | 0 | $0 |
| Michael T Oakes | Director | March 1, 2023 A | 21,455 | 0 | 0 | $0 |
| Janet Raye Cowell | Director | March 10, 2022 P | 10,141 | 0 | 0 | $0 |
| Sundar Srinivasan | Director | March 4, 2022 P | 18,270 | 0 | 0 | $0 |
| Adam J Abram | Director | March 3, 2022 P | 482,943 | 0 | 0 | $0 |
| Jerry R Masters | Director | March 2, 2022 A | 26,592 | 0 | 0 | $0 |
| Christopher L Harris | Director | Feb. 17, 2021 A | 3,331 | 0 | 0 | $0 |
| David Zwillinger | Director | Feb. 20, 2019 A | 5,010 | 0 | 0 | $0 |
| Bryan Martin | Director | Feb. 20, 2019 A | 5,010 | 0 | 0 | $0 |
| R J Pelosky Jr | Director | Feb. 16, 2016 A | 2,920 | 0 | 0 | $0 |
| Thomas R Sandler | Director | Feb. 16, 2016 A | 2,970 | 0 | 0 | $0 |
| Gould Kirstin Romann | · | March 4, 2026 A | 44,699 | 0 | 0 | $0 |
| Michael E Crow | · | March 4, 2026 A | 101,019 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 21 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.03% | 125,098 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.03% | 763 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 216,757 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 31,849 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 123,734 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 1,134,043 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 17,876 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 17,323 SH | Oct. 2, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 1,892 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 32,134 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 26,057 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 75,600 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 3,561 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 3,818 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 8,409 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 6,570 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 527,560 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,155,297 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,391 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.00% | 58,704 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 429,064 SH | Sept. 11, 2026 | Daily |
JRVR Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
SELL
Median target
$4.72
+35.4%
0 0.0%
Strong Buy
0 0.0%
Buy
6 66.7%
Hold
1 11.1%
Sell
2 22.2%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-03Mean target $4.72 +35.4%
← Below all targets
Current price $3.49
Low$4.45
Mean$4.72
High$5.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
Latest News Recent headlines mentioning this company
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Source: SEC 10-Q filed Aug 10, 2026