WallStSmart

AXIS Capital Holdings Ltd (AXS)vsJames River Group Holdings Ltd (JRVR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AXIS Capital Holdings Ltd generates 855% more annual revenue ($6.56B vs $687.61M). AXS leads profitability with a 15.4% profit margin vs 6.9%. JRVR trades at a lower P/E of 7.4x. AXS earns a higher WallStSmart Score of 74/100 (B).

AXS

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 7.0Value: 10.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.62

JRVR

Buy

58

out of 100

Grade: C

Growth: 7.3Profit: 5.0Value: 5.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AXSUndervalued (+60.0%)

Margin of Safety

+60.0%

Fair Value

$253.92

Current Price

$101.04

$152.88 discount

UndervaluedFair: $253.92Overvalued
JRVRSignificantly Overvalued (-16.8%)

Margin of Safety

-16.8%

Fair Value

$5.64

Current Price

$6.18

$0.54 premium

UndervaluedFair: $5.64Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AXS5 strengths · Avg: 9.0/10
P/E RatioValuation
8.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

Operating MarginProfitability
20.2%8/10

Strong operational efficiency at 20.2%

Revenue GrowthGrowth
17.8%8/10

17.8% revenue growth

JRVR3 strengths · Avg: 10.0/10
P/E RatioValuation
7.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Areas to Watch

AXS1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.622/10

Distress zone — elevated risk

JRVR4 concerns · Avg: 2.8/10
Market CapQuality
$282.25M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Profit MarginProfitability
6.9%3/10

6.9% margin — thin

EPS GrowthGrowth
-53.3%2/10

Earnings declined 53.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : AXS

The strongest argument for AXS centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 15.4% and operating margin at 20.2%. Revenue growth of 17.8% demonstrates continued momentum.

Bull Case : JRVR

The strongest argument for JRVR centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 32.4% demonstrates continued momentum.

Bear Case : AXS

The primary concerns for AXS are Altman Z-Score.

Bear Case : JRVR

The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin.

Key Dynamics to Monitor

AXS profiles as a growth stock while JRVR is a hypergrowth play — different risk/reward profiles.

AXS carries more volatility with a beta of 0.63 — expect wider price swings.

JRVR is growing revenue faster at 32.4% — sustainability is the question.

AXS generates stronger free cash flow (614M), providing more financial flexibility.

Bottom Line

AXS scores higher overall (74/100 vs 58/100), backed by strong 15.4% margins and 17.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AXIS Capital Holdings Ltd

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

AXIS Capital Holdings Limited, offers various specialized insurance and reinsurance products worldwide. The company is headquartered in Pembroke, Bermuda.

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James River Group Holdings Ltd

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

James River Group Holdings, Ltd., offers specialized insurance and reinsurance services in the United States. The company is headquartered in Pembroke, Bermuda.

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