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James River Group HoldingsJRVR -0.86%58 ROA % is 0.54% as of Jun. 2026, which is 31% below its 10-year median of 0.78. 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 506 Insurance companies, James River Group Holdings ranks worse than 79.25% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. James River Group Holdings's annualizedNet Income for the quarter that ended in Jun. 2026 was $25.6 Mil.
James River Group Holdings's average Total Assets over the quarter that ended in Jun. 2026 was $4,767.4 Mil. Therefore, James River Group Holdings's annualized ROA % for the quarter that ended in Jun. 2026 was 0.54%.
The historical rank and industry rank for James River Group Holdings's ROA % or its related term are showing as below:
JRVR'
s ROA % Range Over the Past 10 Years
Min: -3.45 Med: 0.78 Max: 3.38
Current: 0.63
During the past 13 years, James River Group Holdings's highest ROA % was 3.38%. The lowest was -3.45%. And the median was 0.78%.
JRVR's ROA % is ranked worse than 79.25% of 506
companies
in the Insurance industry
Industry Median: 2.495
vs JRVR: 0.63
James River Group Holdings (NAS:JRVR) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, James River Group Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where James River Group Holdings's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
James River Group Holdings (JRVR) has a ROA % of 0.54% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on James River Group Holdings and its competitors. This is 31% below median its historical median of 0.78. According to the industry distribution chart, James River Group Holdings ranks #401 out of 506 companies in the Insurance industry, placing it in the top 79.2%.
Is James River Group Holdings' ROA % too high?
James River Group Holdings' current ROA % of 0.54% is 31% below median its 10-year median of 0.78. The Insurance industry median ROA % is 2.50. James River Group Holdings' value of 0.54% is 78.4% below this industry median. Based on the distribution chart, James River Group Holdings ranks #401 out of 506 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' ROA % compare to FACO and OSG?
According to the Insurance industry distribution chart, James River Group Holdings ranks #401 out of 506 companies for ROA %. This places James River Group Holdings in the lower half of its industry. The industry median ROA % is 2.50. James River Group Holdings' value of 0.54% is 78.4% below this benchmark. While the company's 10-year median is 0.78 vs. the industry median of 2.50, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.50, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. James River Group Holdings's current ROA % of 0.54% is 78.4% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on James River Group Holdings and its competitors. For the Insurance industry, the median ROA % is 2.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. James River Group Holdings's current ROA % is 0.54%, which is 31% below median its own 10-year median of 0.78. 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 ROA % is 0.54%, which is 31% below median its 10-year median of 0.78 and 78.4% below the Insurance industry median of 2.50. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For James River Group Holdings (JRVR), the current ROA % is 0.54% 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:
ROA %: 0.54% (31% below median its 10-year median of 0.78)
GF Value™: $5.80 vs. price of $4.03 (30.6% below fair value)
Industry Position: 78.4% below the Insurance median (#401 of 506)
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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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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