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JRVR vs V

JRVR
James River Group Holdings, Inc.
NEUTRAL
Price
$6.20
Market Cap
$285.0M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
JRVR
7.47
V
28.35
Forward P/E
JRVR
5.0
V
20.79
P/B Ratio
JRVR
0.53
V
15.09
P/S Ratio
JRVR
0.41
V
14.08
EV/EBITDA
JRVR
6.64
V
20.06

Profitability

Gross Margin
JRVR
37.87%
V
97.78%
Operating Margin
JRVR
18.2%
V
68.3%
Profit Margin
JRVR
6.9%
V
50.23%
ROE
JRVR
7.88%
V
53.95%
ROA
JRVR
0.94%
V
18.36%

Growth

Revenue Growth
JRVR
32.4%
V
14.6%
Earnings Growth
JRVR
--
V
17.4%

Financial Health

Debt/Equity
JRVR
0.5
V
0.55
Current Ratio
JRVR
1.86
V
1.11
Quick Ratio
JRVR
0.28
V
0.72

Dividends

Dividend Yield
JRVR
0.65%
V
0.89%
Payout Ratio
JRVR
4.82%
V
22.91%

AI Verdict

JRVR NEUTRAL

JRVR presents a classic 'value trap' profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health. While the stock is significantly undervalued on a Price-to-Book (0.53) and Graham Number ($14.79) basis, this discount is justified by extreme earnings volatility and a history of massive quarterly misses. Strong top-line revenue growth of 32.4% is offset by an unstable bottom line and poor operational health scores. The current price of $6.20 sits near the growth-based intrinsic value, suggesting limited upside until financial stability is proven.

Strengths
Deeply undervalued Price-to-Book ratio of 0.53
Strong year-over-year revenue growth of 32.40%
Low Forward P/E of 5.00 suggesting cheap earnings relative to expectations
Risks
Critical Piotroski F-Score (2/9) signaling poor financial health
Extreme earnings volatility with frequent and massive EPS misses
Severe long-term price erosion (5-year change of -86.2%)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

JRVR vs V: Head-to-Head Comparison

This page compares James River Group Holdings, Inc. (JRVR) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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