James River Group Holdings Ltd (JRVR)vsMGIC Investment Corp (MTG)
JRVR
James River Group Holdings Ltd
$6.18
-0.80%
FINANCIAL SERVICES · Cap: $282.25M
MTG
MGIC Investment Corp
$26.01
+0.50%
FINANCIAL SERVICES · Cap: $5.61B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 76% more annual revenue ($1.21B vs $687.61M). MTG leads profitability with a 60.8% profit margin vs 6.9%. JRVR trades at a lower P/E of 7.4x. MTG earns a higher WallStSmart Score of 65/100 (C+).
JRVR
Buy58
out of 100
Grade: C
MTG
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-16.8%
Fair Value
$5.64
Current Price
$6.18
$0.54 premium
Margin of Safety
+33.2%
Fair Value
$40.95
Current Price
$26.01
$14.94 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 32.4% year-over-year
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Strong operational efficiency at 74.2%
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
6.9% margin — thin
Earnings declined 53.3%
3.9% earnings growth
Weak financial health signals
Revenue declined 0.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : JRVR
The strongest argument for JRVR centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 32.4% demonstrates continued momentum.
Bull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 60.8% and operating margin at 74.2%. 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.
Bear Case : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
JRVR profiles as a hypergrowth stock while MTG is a declining play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.80 — expect wider price swings.
JRVR is growing revenue faster at 32.4% — sustainability is the question.
MTG generates stronger free cash flow (230M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (65/100 vs 58/100), backed by strong 60.8% margins. Both earn "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.
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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