Profitability
Weight: 25%
C
56
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 71.2%
- Loss Ratio Trend -84.61 pp/yr
JRVR
James River Group Holdings, Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 3 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
0
- 5yr Avg ROE -8.4%
- 5yr Share-Count CAGR 14.2%
Growth Quality
Weight: 10%
C-
48
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -0.2%
- Loss Ratio Trend (growth quality check) -84.61 pp/yr
- Revenue-Growth Years (5) 2/5
Cash Generation
Weight: 15%
D
38
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 0.3%
- Loss Ratio Stability (σ) 3.79
Balance Sheet
Weight: 25%
B
71
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.89x
- Interest Coverage (EBIT/Int) 3.15x
Stability
Weight: 10%
D
33
- EPS Volatility (σ/μ) 0.60
- Negative-Revenue Years (5) 3/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 added.
- Holders
- 1
- Avg Δ position
- +53.2%
- New buys
- 0
- Full exits
- 0
- Cooperman increased +53%