First American Corporation (FAF)vsJames River Group Holdings Ltd (JRVR)
FAF
First American Corporation
$58.36
+0.43%
FINANCIAL SERVICES · Cap: $5.92B
JRVR
James River Group Holdings Ltd
$6.18
-0.80%
FINANCIAL SERVICES · Cap: $282.25M
Smart Verdict
WallStSmart Research — data-driven comparison
First American Corporation generates 984% more annual revenue ($7.45B vs $687.61M). FAF leads profitability with a 8.3% profit margin vs 6.9%. JRVR trades at a lower P/E of 7.4x. FAF earns a higher WallStSmart Score of 72/100 (B).
FAF
Strong Buy72
out of 100
Grade: B
JRVR
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.1%
Fair Value
$280.80
Current Price
$58.36
$222.44 discount
Margin of Safety
-16.8%
Fair Value
$5.64
Current Price
$6.18
$0.54 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 21.6% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 32.4% year-over-year
Areas to Watch
Expensive relative to growth rate
1.9% earnings growth
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
6.9% margin — thin
Earnings declined 53.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : FAF
The strongest argument for FAF centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 21.6% 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 : FAF
The primary concerns for FAF are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
FAF profiles as a growth stock while JRVR is a hypergrowth play — different risk/reward profiles.
FAF carries more volatility with a beta of 1.26 — expect wider price swings.
JRVR is growing revenue faster at 32.4% — sustainability is the question.
FAF generates stronger free cash flow (325M), providing more financial flexibility.
Bottom Line
FAF scores higher overall (72/100 vs 58/100) and 21.6% 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.
First American Corporation
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
First American Financial Corporation, provides financial services. The company is headquartered in Santa Ana, California.
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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