Market Price

32.20 

-0.06 -0.2%

as of Dec 17 '18

52 Week Range:

26.27 36.77


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

James River Group Holdings, Ltd., through its subsidiaries, provides specialty insurance and reinsurance services in the United States. Its Excess and Surplus Lines segment underwrites property and liability insurance on an excess and surplus commercial lines basis in all states and the District of Columbia. This segment distributes its insurance policies primarily through wholesale insurance brokers. The company's Specialty Admitted Insurance segment provides workers' compensation coverage for residential contractors, light manufacturing operations, transportation workers, healthcare workers, and fronting and program business in North Carolina, Georgia, New Jersey, South Carolina, Pennsylvania, Massachusetts, Rhode Island, Virginia, South Carolina, and Tennessee. Its Casualty Reinsurance segment offers proportional and working layer casualty reinsurance to third parties and unaffiliated insurance companies. James River Group Holdings, Ltd. was founded in 2002 and is headquartered in Pembroke, Bermuda.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 19.45
22.37
24.11
20.34
growth rate 15.0% 7.8% -15.6%
Earnings BIT 84.25
52.75
66.95
89.29
64.12
growth rate -37.4% 26.9% 33.4% -28.2%
Avg.PE 16.58
15.71
18.24
growth rate -5.3% 16.1%
ROA 0.43
3.51
2.37
2.67
3.38
1.71
growth rate 716.3% -32.5% 12.7% 26.6% -49.4%
ROE 1.11
9.07
6.43
7.82
10.84
6.28
growth rate 717.1% -29.1% 21.6% 38.6% -42.1%
Leverage 2.58
2.58
2.85
3.02
3.38
3.97
growth rate 0.0% 10.5% 6.0% 11.9% 17.5%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 136.86
166.73
178.78
270.88
355.24
growth rate 21.8% 7.2% 51.5% 31.1%
Acct.Payable 29.36
19.27
19.87
39.90
457.16
growth rate -34.4% 3.1% 100.8% 1,045.8%
Cur.Assets 535.65
545.05
504.80
719.58
973.53
growth rate 1.8% -7.4% 42.6% 35.3%
Total Assets 1,806.79
1,959.29
2,055.50
2,346.53
2,756.70
growth rate 8.4% 4.9% 14.2% 17.5%
Cash 158.60
73.38
106.41
109.78
163.50
growth rate -53.7% 45.0% 3.2% 48.9%
Cur.Liabilities 262.43
327.96
350.45
467.35
914.57
growth rate 25.0% 6.9% 33.4% 95.7%
Liabilities 1,105.30
1,271.37
1,374.46
1,653.31
2,062.00
growth rate 15.0% 8.1% 20.3% 24.7%
LT Debt 162.06
192.36
192.36
192.36
202.36
growth rate 18.7% 0.0% 0.0% 5.2%
Equity 701.49
687.92
681.04
693.22
694.70
growth rate -1.9% -1.0% 1.8% 0.2%
Common Shares 29.00
29.00
29.00
29.00
29.00
30.00
30.00
growth rate 0.0% 0.0% 0.0% 0.0% 3.5% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Cash Dividends 70.00
70.00
18.50
26.40
35.88
growth rate 0.0% -73.6% 42.7% 35.9%
Cash From OA 105.64
130.39
119.97
154.35
207.82
growth rate 23.4% -8.0% 28.7% 34.6%
FCF per Share 2.90
4.65
2.98
5.22
growth rate 60.3% -35.9% 75.2%
Sale Purchase of Stock 1.73
1.73
1.73
2.26
-7.74
growth rate 0.0% 0.0% 30.6% -100.0%
FCF 75.00
49.00
106.00
130.00
116.00
151.00
208.00
growth rate -34.7% 116.3% 22.6% -10.8% 30.2% 37.8%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 386.29
439.00
504.92
586.23
817.63
growth rate 13.7% 15.0% 16.1% 39.5%
Op.Income 84.25
52.75
66.95
89.29
64.12
growth rate -37.4% 26.9% 33.4% -28.2%
IBT 77.08
45.62
59.78
79.34
55.15
growth rate -40.8% 31.0% 32.7% -30.5%
Net Income 67.34
44.69
53.50
74.47
43.57
growth rate -33.6% 19.7% 39.2% -41.5%
EPS 1.06
0.24
2.36
1.55
1.82
2.49
1.44
growth rate -77.4% 883.3% -34.3% 17.4% 36.8% -42.2%
Gross Profit 201.81
201.64
225.91
260.81
262.25
growth rate -0.1% 12.0% 15.5% 0.6%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 15.89
8.34
19.64
21.45
25.11
growth rate -47.5% 135.4% 9.3% 17.0%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 390.53
355.24
391.46
341.39
315.29
growth rate -9.0% 10.2% -12.8% -7.7%
Acct.Payable 47.01
457.16
59.14
69.81
74.18
growth rate 872.4% -87.1% 18.1% 6.3%
Cur.Assets 936.50
973.53
1,025.14
1,133.48
1,103.46
growth rate 4.0% 5.3% 10.6% -2.7%
Total Assets 2,721.65
2,756.70
2,862.01
2,937.38
3,035.43
growth rate 1.3% 3.8% 2.6% 3.3%
Cash 106.50
163.50
151.05
267.37
184.42
growth rate 53.5% -7.6% 77.0% -31.0%
Cur.Liabilities 556.50
914.57
526.52
527.93
516.94
growth rate 64.3% -42.4% 0.3% -2.1%
Liabilities 2,000.68
2,062.00
2,176.24
2,248.13
2,338.03
growth rate 3.1% 5.5% 3.3% 4.0%
LT Debt 192.36
202.36
202.36
202.36
202.36
growth rate 5.2% 0.0% 0.0% 0.0%
Equity 720.97
694.70
685.77
689.24
697.41
growth rate -3.6% -1.3% 0.5% 1.2%
Common Shares 0.01
0.01
0.01
0.01
0.01
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 0.69
-2.12
0.28
0.20
0.13
growth rate -100.0% 100.0% -29.1% -35.9%
Cash Dividends 8.87
9.29
9.07
8.97
8.98
growth rate 4.7% -2.3% -1.2% 0.2%
Cash From OA 55.68
86.82
48.46
115.63
87.83
growth rate 55.9% -44.2% 138.6% -24.0%
Sale Purchase of Stock 0.68
2.86
2.86
growth rate 320.9% 0.0%
FCF 54.98
84.70
48.19
115.43
87.70
growth rate 54.0% -43.1% 139.6% -24.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 220.87
217.96
218.34
228.04
224.69
growth rate -1.3% 0.2% 4.4% -1.5%
Op.Income 15.89
8.34
19.64
21.45
25.11
growth rate -47.5% 135.4% 9.3% 17.0%
IBT 13.59
6.02
17.11
18.51
22.12
growth rate -55.7% 184.3% 8.1% 19.5%
Net Income 10.35
0.22
15.63
16.98
19.58
growth rate -97.8% 6,879.0% 8.6% 15.3%
Gross Profit 70.42
49.48
74.57
73.45
74.31
growth rate -29.7% 50.7% -1.5% 1.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (41.06)

YOY Growth Grade:

D (33.59)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 18.99 18.61
EPS / Growth 1.73

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 0.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.3% 0.3% 0.3%
Future PE 0.01 0.33 0.33
Future EPS 1.79 1.79 1.79
Value Price
MOS %
0.00
-100.0%
0.14
-99.6%
0.14
-99.6%
MOS Price 0.00 0.07 0.07
IRT 18.05 18.05 18.05

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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