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James River Group HoldingsJRVR -0.86%58 Net Margin % is 3.97% as of Jun. 2026, which is 11% below its 10-year median of 4.46. 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 500 Insurance companies, James River Group Holdings ranks worse than 71.6% on this metric.
James River Group Holdings (NAS:JRVR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
James River Group Holdings Net Margin % Related Terms
James River Group Holdings Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, James River Group Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where James River Group Holdings's Net Margin % 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 Net Margin % of 3.97% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on James River Group Holdings and its competitors. This is 11% below median its historical median of 4.46. According to the industry distribution chart, James River Group Holdings ranks #358 out of 500 companies in the Insurance industry, placing it in the top 71.6%.
Is James River Group Holdings' Net Margin % too high?
James River Group Holdings' current Net Margin % of 3.97% is 11% below median its 10-year median of 4.46. The Insurance industry median Net Margin % is 8.94. James River Group Holdings' value of 3.97% is 55.6% below this industry median. Based on the distribution chart, James River Group Holdings ranks #358 out of 500 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' Net Margin % compare to FACO and OSG?
According to the Insurance industry distribution chart, James River Group Holdings ranks #358 out of 500 companies for Net Margin %. This places James River Group Holdings in the lower half of its industry. The industry median Net Margin % is 8.94. James River Group Holdings' value of 3.97% is 55.6% below this benchmark. While the company's 10-year median is 4.46 vs. the industry median of 8.94, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 8.94, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. James River Group Holdings's current Net Margin % of 3.97% is 55.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on James River Group Holdings and its competitors. For the Insurance industry, the median Net Margin % is 8.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. James River Group Holdings's current Net Margin % is 3.97%, which is 11% below median its own 10-year median of 4.46. 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 Net Margin % is 3.97%, which is 11% below median its 10-year median of 4.46 and 55.6% below the Insurance industry median of 8.94. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For James River Group Holdings (JRVR), the current Net Margin % is 3.97% 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:
Net Margin %: 3.97% (11% below median its 10-year median of 4.46)
GF Value™: $5.79 vs. price of $4.03 (30.5% below fair value)
Industry Position: 55.6% below the Insurance median (#358 of 500)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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