Fidelity National Financial Inc (FNF)vsJames River Group Holdings Ltd (JRVR)
FNF
Fidelity National Financial Inc
$42.50
-1.32%
FINANCIAL SERVICES · Cap: $11.97B
JRVR
James River Group Holdings Ltd
$3.69
-2.64%
FINANCIAL SERVICES · Cap: $182.18M
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 2250% more annual revenue ($15.35B vs $653.21M). FNF leads profitability with a 5.0% profit margin vs 4.7%. JRVR trades at a lower P/E of 8.9x. FNF earns a higher WallStSmart Score of 70/100 (B-).
FNF
Strong Buy70
out of 100
Grade: B-
JRVR
Hold50
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.8B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 57.2% YoY
Areas to Watch
5.0% margin — thin
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
4.7% margin — thin
Revenue declined 7.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : FNF
The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% 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, EPS Growth.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin. Thin 4.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
FNF carries more volatility with a beta of 0.98 — expect wider price swings.
FNF is growing revenue faster at 10.5% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FNF scores higher overall (70/100 vs 50/100) and 10.5% revenue growth. Both earn "Strong Buy" and "Hold" 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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