COMP <GO>
JRVR vs V // ALTMAN Z-SCORE & DEBT/EQUITY
James River Group Holdings Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: JRVR 2
— V 7
■ METRIC PARITY
LAST: $3.86 (-2.77%) • MKT CAP: $183.6M
balance-sheet
—
LAST: $420.42 (-1.20%) • MKT CAP: $760.28B
balance-sheet
9.09
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (JRVR VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | JRVR | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.80% | 32.30% | -23.50 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -13.01% | 2.90% | -15.91 | V | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 6.90% | 50.10% | -43.20 | V | /net-margins <GO> |
| Revenue Growth (YoY) | -2.80% | 11.30% | -14.10 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.10% | 0.63% | +0.47 | JRVR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 9/9 | -7.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.9 | 74.2 | -15.30 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 3.5x | 34.0x | -30.50 | JRVR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $183.6M | $760.28B | -$760.10B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | JRVR REV | V REV | JRVR GROSS % | V GROSS % | JRVR FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $687.6M | $40.00B | — | — | -$23.6M | $21.26B |
| FY 2024 | $707.6M | $35.93B | — | — | -$252.0M | $18.33B |
| FY 2023 | $812.0M | $32.65B | — | — | $88.0M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
JRVR // BETA —
V // BETA 1.06