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Claims Ratio % is the percentage of claims costs incurred in relation to the premiums earned.
James River Group Holdings's Claims Ratio % for the quarter that ended in Jun. 2026 was 66.30%
, which is lower than
69.20% for the pervious quarter ended in Mar. 2026.
James River Group Holdings's Claims Ratio % for the annual that ended in Dec. 2025 was 66.40%
, which is lower than
86.20% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for James River Group Holdings's Claims Ratio % or its related term are showing as below:
JRVR's Claims Ratio % is not ranked *
in the Insurance industry.
Industry Median: * Ranked among companies with meaningful Claims Ratio % only.
James River Group Holdings (NAS:JRVR) Claims Ratio % Explanation
Claims Ratio % the percentage of claims costs incurred in relation to the premiums earned during the period. It is the equivalent of gross profit margin for an insurance company.
It's important to note that insurance is the business of managing risks and, to do that well, the insurer needs a thorough understanding of the incurred claims ratio. If the value is higher than expected or above established norms, then further investigation is required to figure out why that is (eg: fraud). If it is lower than expected, it could indicate irrelevant products or difficulties in claiming, possibly affecting customer satisfaction.
James River Group Holdings Claims Ratio % Related Terms
James River Group Holdings Claims Ratio % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Specialty subindustry, James River Group Holdings's Claims Ratio %, along with its competitors' market caps and Claims Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
James River Group Holdings (NAS:JRVR) Claims Ratio % Calculation
Claims Ratio % is calculated as
Claims Ratio %
=
Total Claims
/
Total Premiums Earned
*
100%
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Claims Ratio % of 66.30% mean?
James River Group Holdings (JRVR) has a Claims Ratio % of 66.30% as of Jun. 2026. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on James River Group Holdings and its competitors.
Is James River Group Holdings' Claims Ratio % too high?
James River Group Holdings' current Claims Ratio % is 66.30%. Overall, James River Group Holdings has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does James River Group Holdings' Claims Ratio % compare to FACO and OSG?
James River Group Holdings' Claims Ratio % of 66.30% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Claims Ratio % for an Insurance company?
A good Claims Ratio % depends on the Insurance industry context. However, Claims Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Claims Ratio % mean?
A high Claims Ratio % can signal that a stock is expensive relative to its fundamentals. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on James River Group Holdings and its competitors. James River Group Holdings's current Claims Ratio % is 66.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is James River Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, James River Group Holdings (JRVR) is currently considered Possible Value Trap. The stock's GF Value™ is $5.80, compared to a current price of $4.03 — trading 30.6% below its estimated fair value. The current Claims Ratio % is 66.30%. James River Group Holdings' overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Claims Ratio % calculated?
Claims Ratio % is calculated from a company's financial statements. For James River Group Holdings (JRVR), the current Claims Ratio % is 66.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is James River Group Holdings (JRVR) Overvalued in 2026?
Based on GuruFocus' analysis, James River Group Holdings stock appears to be undervalued.
The current stock price of $4.03 is trading 30.6% below its estimated GF Value™ of $5.80.
GuruFocus considers James River Group Holdings to be Possible Value Trap.
Key valuation signals for JRVR:
Claims Ratio %: 66.30%
GF Value™: $5.80 vs. price of $4.03 (30.6% below fair value)
No single metric tells the full story. See the JRVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
James River Group Holdings Inc is a holding company that owns and operates a group of specialty insurance companies focused on underwriting small and middle market casualty risks within the U.S. excess and surplus (E&S) lines market. The Company operates in two specialty property-casualty insurance segments: Excess and Surplus Lines and Specialty Admitted Insurance.
58GF Score
Get the complete analysis for JRVR
Claims Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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