James River Group Holdings Ltd (JRVR)vsMGIC Investment Corp (MTG)
JRVR
James River Group Holdings Ltd
$3.83
-4.49%
FINANCIAL SERVICES · Cap: $182.64M
MTG
MGIC Investment Corp
$25.51
+1.55%
FINANCIAL SERVICES · Cap: $5.46B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 81% more annual revenue ($1.20B vs $666.71M). MTG leads profitability with a 59.6% profit margin vs 4.3%. MTG trades at a lower P/E of 8.2x. MTG earns a higher WallStSmart Score of 65/100 (C+).
JRVR
Hold38
out of 100
Grade: F
MTG
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 60 of every $100 in revenue as profit
Strong operational efficiency at 72.6%
Conservative balance sheet, low leverage
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
4.3% margin — thin
Revenue declined 12.1%
1.3% earnings growth
Weak financial health signals
Revenue declined 3.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book.
Bull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 59.6% and operating margin at 72.6%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
Bear Case : JRVR
The primary concerns for JRVR are Market Cap, Return on Equity, Profit Margin. Thin 4.3% margins leave little buffer for downturns.
Bear Case : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
JRVR profiles as a value stock while MTG is a declining play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.68 — expect wider price swings.
MTG is growing revenue faster at -3.0% — sustainability is the question.
MTG generates stronger free cash flow (77M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (65/100 vs 38/100), backed by strong 59.6% margins. Both earn "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.
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.
MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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