James River Group Holdings, Ltd. logo JRVR - James River Group Holdings, Ltd.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 0
BUY 5
HOLD 7
SELL 2
STRONG
SELL 0
| PRICE TARGET: $5.50 DETAILS
HIGH: $7.00
LOW: $4.00
MEDIAN: $5.50
CONSENSUS: $5.50
UPSIDE: 35.80%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

F 30.0 / 100 pillar composite

Composite Grade

Composite of six pillars weighted for banks, insurers & asset managers businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

⚠ 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 because hard gates always win. Use the pillar breakdown below to see where the underlying numbers sit.

Profitability

Weight: 25%
C 56.2

Scored using loss ratio — insurer-archetype substitution.

  • Loss Ratio 71.2% 33/100
  • Loss Ratio Trend -84.61 pp/yr 100/100
Contributes 14.1 pts toward composite.

Capital Efficiency

Weight: 15%
F 0.0
  • 5yr Avg ROE -8.4% 0/100
  • 5yr Share-Count CAGR 14.2% 0/100
Contributes 0.0 pts toward composite.

Growth Quality

Weight: 10%
C- 47.8

Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.

  • 5yr Premium CAGR -0.2% 20/100
  • Loss Ratio Trend (growth quality check) -84.61 pp/yr 100/100
  • Revenue-Growth Years (5) 2/5 40/100
Contributes 4.8 pts toward composite.

Cash Generation

Weight: 15%
D 37.6

Scored using reserve development and loss-ratio stability — insurer-archetype substitution.

  • Reserve Development 0.3% 63/100
  • Loss Ratio Stability (σ) 3.79 0/100
Contributes 5.6 pts toward composite.

Balance Sheet

Weight: 25%
B 71.3

Scored using premiums-to-surplus — insurer-archetype substitution.

  • Premiums / Surplus 0.89x 88/100
  • Interest Coverage (EBIT/Int) 3.15x 46/100
Contributes 17.8 pts toward composite.

Stability

Weight: 10%
D 33.3
  • EPS Volatility (σ/μ) 0.60 22/100
  • Negative-Revenue Years (5) 3/5 40/100
  • Piotroski F-Score 4 44/100
Contributes 3.3 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Holding

1 of 1 gurus held; 1 added.

Holders
1
Avg Δ position
+53.2%
New buys
0
Full exits
0
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (25%) — Loss Ratio, Loss Ratio Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (10%) — 5yr Premium CAGR, Loss Ratio Trend (growth quality check), Revenue-Growth Years (5)
  • Cash Generation (15%) — Reserve Development, Loss Ratio Stability (σ)
  • Balance Sheet (25%) — Premiums / Surplus, Interest Coverage (EBIT/Int)
  • Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.