Fidelity National Financial Inc (FNF)vsJames River Group Holdings Ltd (JRVR)
FNF
Fidelity National Financial Inc
$44.79
+1.31%
FINANCIAL SERVICES · Cap: $11.99B
JRVR
James River Group Holdings Ltd
$6.18
-0.80%
FINANCIAL SERVICES · Cap: $282.25M
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 2009% more annual revenue ($14.51B vs $687.61M). JRVR leads profitability with a 6.9% profit margin vs 4.2%. JRVR trades at a lower P/E of 7.4x. FNF earns a higher WallStSmart Score of 72/100 (B).
FNF
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
+44.8%
Fair Value
$103.43
Current Price
$44.79
$58.64 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
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 37.1% YoY
Generating 1.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 32.4% year-over-year
Areas to Watch
ROE of 7.8% — below average capital efficiency
4.2% margin — thin
Weak financial health signals
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 : FNF
The strongest argument for FNF centers on PEG Ratio, Price/Book, EPS Growth. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
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 : FNF
The primary concerns for FNF are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
FNF profiles as a value stock while JRVR is a hypergrowth play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.03 — expect wider price swings.
JRVR is growing revenue faster at 32.4% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
FNF scores higher overall (72/100 vs 58/100) and 12.3% 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.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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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