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James River Group HoldingsJRVR -0.86%58 Debt-to-Equity is 0.50 as of Jun. 2026, which is 14% above its 10-year median of 0.44. GuruFocus rates JRVR with a GF Score™ of 58/100 and a GF Value™ of $5.79 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 405 Insurance companies, James River Group Holdings ranks worse than 79.26% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for James River Group Holdings's Debt-to-Equity or its related term are showing as below:
JRVR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.26 Med: 0.44 Max: 0.57
Current: 0.5
During the past 13 years, the highest Debt-to-Equity Ratio of James River Group Holdings was 0.57. The lowest was 0.26. And the median was 0.44.
JRVR's Debt-to-Equity is ranked worse than 79.26% of 405
companies
in the Insurance industry
Industry Median: 0.21
vs JRVR: 0.50
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
James River Group Holdings Debt-to-Equity Related Terms
James River Group Holdings Debt-to-Equity 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 Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, James River Group Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where James River Group Holdings's Debt-to-Equity falls into.
* 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.
James River Group Holdings (JRVR) has a Debt-to-Equity of 0.50 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on James River Group Holdings and its competitors. This is 14% above median its historical median of 0.44. Over the past decade, James River Group Holdings' Debt-to-Equity has ranged from 0.26 to 0.57. According to the industry distribution chart, James River Group Holdings ranks #321 out of 405 companies in the Insurance industry, placing it in the top 79.3%.
Is James River Group Holdings' Debt-to-Equity too high?
James River Group Holdings' current Debt-to-Equity of 0.50 is 14% above median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 0.57. The Insurance industry median Debt-to-Equity is 0.21. James River Group Holdings' value of 0.50 is 138.1% above this industry median. Based on the distribution chart, James River Group Holdings ranks #321 out of 405 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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' Debt-to-Equity compare to FACO and OSG?
According to the Insurance industry distribution chart, James River Group Holdings ranks #321 out of 405 companies for Debt-to-Equity. This places James River Group Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.21. James River Group Holdings' value of 0.50 is 138.1% above this benchmark. Historically, James River Group Holdings' own Debt-to-Equity has ranged from 0.26 to 0.57 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.21, James River Group Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 405 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. James River Group Holdings's current Debt-to-Equity of 0.50 is 138.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on James River Group Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. James River Group Holdings's current Debt-to-Equity is 0.50, which is 14% above median its own 10-year median of 0.44. 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 $5.79, compared to a current price of $4.03 — trading 30.5% below its estimated fair value. The current Debt-to-Equity is 0.50, which is 14% above median its 10-year median of 0.44 and 138.1% above the Insurance industry median of 0.21. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For James River Group Holdings (JRVR), the current Debt-to-Equity is 0.50 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 30.5% below its estimated GF Value™ of $5.79.
GuruFocus considers James River Group Holdings to be Possible Value Trap.
Key valuation signals for JRVR:
Debt-to-Equity: 0.50 (14% above median its 10-year median of 0.44)
GF Value™: $5.79 vs. price of $4.03 (30.5% below fair value)
Industry Position: 138.1% above the Insurance median (#321 of 405)
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
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