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Upturn AI SWOT - About
JRVR 
James River Group Holdings Ltd (JRVR)
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Upturn Advisory Summary
08/14/2025: JRVR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $7.06
1 Year Target Price $7.06
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -39.1% | Avg. Invested days 19 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 269.07M USD | Price to earnings Ratio - | 1Y Target Price 7.06 |
Price to earnings Ratio - | 1Y Target Price 7.06 | ||
Volume (30-day avg) 4 | Beta 0.07 | 52 Weeks Range 2.99 - 7.62 | Updated Date 08/15/2025 |
52 Weeks Range 2.99 - 7.62 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) -3.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-04 | When - | Estimate 0.23 | Actual 0.23 |
Profitability
Profit Margin -13.5% | Operating Margin (TTM) 7.51% |
Management Effectiveness
Return on Assets (TTM) -1% | Return on Equity (TTM) -13.01% |
Valuation
Trailing PE - | Forward PE 5.74 | Enterprise Value 511999414 | Price to Sales(TTM) 0.4 |
Enterprise Value 511999414 | Price to Sales(TTM) 0.4 | ||
Enterprise Value to Revenue 0.77 | Enterprise Value to EBITDA - | Shares Outstanding 45916500 | Shares Floating 45028429 |
Shares Outstanding 45916500 | Shares Floating 45028429 | ||
Percent Insiders 7.45 | Percent Institutions 76.01 |
Upturn AI SWOT
James River Group Holdings Ltd
Company Overview
History and Background
James River Group Holdings Ltd. was founded in 2007. It has grown through acquisitions and organic growth, focusing on specialty insurance markets. Initially a smaller player, it expanded through strategic underwriting and risk management.
Core Business Areas
- Excess and Surplus Lines: Provides specialized insurance solutions for risks not adequately covered by standard insurance policies, often involving unique or hard-to-place risks.
- Specialty Admitted Insurance: Offers niche admitted insurance products, typically in markets where the company has specialized expertise.
- Fronting Insurance: Provides fronting services, where the company issues policies on behalf of other entities, such as captive insurers or reinsurers.
Leadership and Structure
The company has a board of directors and a leadership team headed by the CEO. The organizational structure is divided by business segments, with each segment managed by its own executive team.
Top Products and Market Share
Key Offerings
- Commercial Auto: Insurance coverage for commercial vehicles. Competitors include Progressive, Travelers, and The Hartford. Market share data is difficult to ascertain precisely for James River within this broad market but is estimated to be small compared to the larger national players.
- Contract Surety: Surety bonds guaranteeing the performance of contractual obligations. Competitors include CNA Surety, Travelers, and Liberty Mutual Surety. Market share data is similarly difficult to pinpoint precisely, given the fragmented nature of the specialty surety market.
- General Casualty: Provides liability coverage for businesses. Competitors include AIG, Chubb, and Zurich. Again, James River's market share within this broad segment is relatively small.
Market Dynamics
Industry Overview
The specialty insurance market is characterized by higher complexity and less standardization. Demand is driven by risks that standard insurers are unwilling to cover. The industry is subject to regulatory changes and economic cycles.
Positioning
James River focuses on specialized niches, seeking to differentiate through underwriting expertise and risk management capabilities. It aims to fill gaps in the insurance market, often dealing with higher-risk clients or unique exposures.
Total Addressable Market (TAM)
The TAM for specialty insurance is estimated to be over $100 billion annually in the US. James River's positioning is focused on specific niches within this larger TAM, allowing it to avoid direct competition with the largest players in all segments.
Upturn SWOT Analysis
Strengths
- Specialized underwriting expertise
- Strong relationships with brokers
- Focus on niche markets
- Experienced management team
Weaknesses
- Smaller scale compared to larger competitors
- Higher risk profile due to focus on specialty markets
- Potential for significant losses in specific segments
- Reliance on key personnel
Opportunities
- Expanding into new specialty markets
- Acquiring smaller, specialized insurers
- Leveraging technology to improve underwriting and risk management
- Capitalizing on regulatory changes
Threats
- Increased competition from larger insurers
- Economic downturn impacting demand for specialty insurance
- Regulatory changes that increase compliance costs
- Catastrophic events leading to significant losses
Competitors and Market Share
Key Competitors
- WRB
- SIGI
- THG
Competitive Landscape
James River faces stiff competition from larger, more established players with greater financial resources. Its advantage lies in its specialization and ability to underwrite risks that others avoid. However, this also exposes it to greater volatility.
Major Acquisitions
Slate River Insurance Group
- Year: 2014
- Acquisition Price (USD millions): 57
- Strategic Rationale: Expanded James River's specialty insurance offerings and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: This data needs to be dynamically updated, please provide current data to update this response
Future Projections: This data needs to be dynamically updated, please provide current data to update this response
Recent Initiatives: This data needs to be dynamically updated, please provide current data to update this response
Summary
James River Group Holdings Ltd. is a specialty insurer focusing on niche markets, exhibiting both strengths in underwriting expertise and weaknesses from its smaller scale and higher risk profile. Its opportunities lie in expanding into new markets and leveraging technology, while threats include increased competition and economic downturns. It needs to be watched as a small player in a very large space and could be taken over.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on publicly available information and industry reports.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About James River Group Holdings Ltd
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2005-08-09 | CEO & Director Mr. Frank N. D'Orazio | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 645 | Website https://www.jrvrgroup.com |
Full time employees 645 | Website https://www.jrvrgroup.com | ||
James River Group Holdings, Ltd. provides specialty insurance services. It operates through Excess and Surplus Lines, and Specialty Admitted Insurance segments. The Excess and Surplus Lines segment underwrites liability and property insurance in the United States Puerto Rice, and the United States Virgin Islands. This segment distributes its insurance policies primarily through wholesale insurance brokers. The Specialty Admitted Insurance segment provides insurance for fronting, program administrators, and managing general agents. James River Group Holdings, Ltd. was founded in 2002 and is headquartered in Pembroke, Bermuda.
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