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James River Group Holdings, Inc. owns and operates a group of specialty property and casualty insurance companies focused on underwriting small and middle market casualty risks within the U.S. excess and surplus ( E&S ) lines market. For the year ended December 31, 2025, approximately 84.5% of our gross written premiums and 95.9% of our net written premiums originated from the E&S lines…
Net margin is thin at 6.90%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 2.8% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$667M
▼ -2.8% YoY
Net Income (TTM)
$29M
▲ +158.5% YoY
Net Margin
4.34%
P/E
—
Balance Sheet
Total Assets
$4.76B
Equity
$518M
Total Debt
$226M
Cash & Equiv.
$228M
5Y CAGR: +0.6%
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