WallStSmart

James River Group Holdings Ltd (JRVR)vsRyan Specialty Group Holdings Inc (RYAN)

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Smart Verdict

WallStSmart Research — data-driven comparison

Ryan Specialty Group Holdings Inc generates 365% more annual revenue ($3.10B vs $666.71M). JRVR leads profitability with a 4.3% profit margin vs 3.5%. JRVR trades at a lower P/E of 9.4x. RYAN earns a higher WallStSmart Score of 56/100 (C).

JRVR

Hold

38

out of 100

Grade: F

Growth: 2.7Profit: 3.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: 0.10

RYAN

Buy

56

out of 100

Grade: C

Growth: 9.3Profit: 6.5Value: 4.7Quality: 3.0
Piotroski: 3/9Altman Z: 0.61

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JRVR2 strengths · Avg: 10.0/10
P/E RatioValuation
9.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.3x10/10

Reasonable price relative to book value

RYAN3 strengths · Avg: 9.0/10
EPS GrowthGrowth
110.1%10/10

Earnings expanding 110.1% YoY

Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

Areas to Watch

JRVR4 concerns · Avg: 2.8/10
Market CapQuality
$182.64M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.7%3/10

ROE of 4.7% — below average capital efficiency

Profit MarginProfitability
4.3%3/10

4.3% margin — thin

Revenue GrowthGrowth
-12.1%2/10

Revenue declined 12.1%

RYAN4 concerns · Avg: 2.5/10
Profit MarginProfitability
3.5%3/10

3.5% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
42.1x2/10

Premium valuation, high expectations priced in

Free Cash FlowQuality
$-180.68M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : JRVR

The strongest argument for JRVR centers on P/E Ratio, Price/Book.

Bull Case : RYAN

The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.

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 : RYAN

The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 42.1x leaves little room for execution misses. Debt-to-equity of 5.88 is elevated, increasing financial risk.

Key Dynamics to Monitor

JRVR profiles as a value stock while RYAN is a growth play — different risk/reward profiles.

RYAN carries more volatility with a beta of 0.64 — expect wider price swings.

RYAN is growing revenue faster at 15.8% — sustainability is the question.

JRVR generates stronger free cash flow (-766,000), providing more financial flexibility.

Bottom Line

RYAN scores higher overall (56/100 vs 38/100) and 15.8% revenue growth. 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.

Ryan Specialty Group Holdings Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative risk management services tailored to meet the diverse needs of its clients across various sectors. The company leverages its extensive network of insurance wholesale operations and underwriting proficiency to foster effective partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and client outcomes, reinforcing its significance in the dynamic insurance landscape. With a strategic emphasis on growth and operational excellence, Ryan Specialty is well-positioned to create sustainable shareholder value amid an increasingly competitive market.

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