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James River Group HoldingsJRVR -0.86%58 Equity-to-Asset is 0.14 as of Jun. 2026, which is 7% below its 10-year median of 0.15. GuruFocus rates JRVR with a GF Score™ of 58/100 and a GF Value™ of $5.80 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 505 Insurance companies, James River Group Holdings ranks worse than 73.07% on this metric.
James River Group Holdings (NAS:JRVR) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
James River Group Holdings Equity-to-Asset Related Terms
James River Group Holdings Equity-to-Asset 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.
JRVR vs FACO, OSG, MBI: Equity-to-Asset Comparison
For the Insurance - Specialty subindustry, James River Group Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, James River Group Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where James River Group Holdings's Equity-to-Asset falls into.
James River Group Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
James River Group Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on James River Group Holdings and its competitors. This is near median its historical median of 0.15. Over the past decade, James River Group Holdings' Equity-to-Asset has ranged from 0.12 to 0.32. According to the industry distribution chart, James River Group Holdings ranks #369 out of 505 companies in the Insurance industry, placing it in the top 73.1%.
Is James River Group Holdings' Equity-to-Asset too high?
James River Group Holdings' current Equity-to-Asset of 0.14 is near median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.32. The Insurance industry median Equity-to-Asset is 0.26. James River Group Holdings' value of 0.14 is 46.2% below this industry median. Based on the distribution chart, James River Group Holdings ranks #369 out of 505 companies in the Insurance industry, which is below the industry midpoint. 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' Equity-to-Asset compare to FACO and OSG?
According to the Insurance industry distribution chart, James River Group Holdings ranks #369 out of 505 companies for Equity-to-Asset. This places James River Group Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.26. James River Group Holdings' value of 0.14 is 46.2% below this benchmark. Historically, James River Group Holdings' own Equity-to-Asset has ranged from 0.12 to 0.32 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.26, James River Group Holdings has consistently been below 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. James River Group Holdings's current Equity-to-Asset of 0.14 is 46.2% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on James River Group Holdings and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. James River Group Holdings's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.15. 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 Equity-to-Asset is 0.14, which is near median its 10-year median of 0.15 and 46.2% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For James River Group Holdings (JRVR), the current Equity-to-Asset is 0.14 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:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.15)
GF Value™: $5.80 vs. price of $4.03 (30.6% below fair value)
Industry Position: 46.2% below the Insurance median (#369 of 505)
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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