Employers Holdings Inc (EIG) vs James River Group Holdings, Ltd. (JRVR)

Employers Holdings Inc and James River Group Holdings, Ltd. are both Insurance Specialty companies. Employers Holdings Inc is the larger, with a market value of $854.4M against $163.3M — 5.2× the size. James River Group Holdings, Ltd. trades at the lower P/E: 6.9× against 67.6×. James River Group Holdings, Ltd. grew revenue faster over the last twelve months: −1.82% against −5.83%. James River Group Holdings, Ltd. has the higher net margin (3.47% vs 0.91%) and the higher return on invested capital (3.99% vs 0.55%). Both pay a dividend; Employers Holdings Inc yields more (2.69% vs 2.22%). Across the 22 metrics below, James River Group Holdings, Ltd. leads on 16 and Employers Holdings Inc on 6.

Valuation

Metric EIG JRVR Insurance Specialty median
P/E 67.57 6.92 9.15
P/S 1.03 0.25 1.84
P/B 1.00 0.31 1.16
Price to free cash flow 43.65 n/m 8.16
EV/EBITDA 47.71 5.80 7.51
EV/Sales 1.06 0.44 2.17
Earnings yield 1.48% 14.45% 10.79%
Free cash flow yield 2.29% (1.41%) 11.79%

Profitability

Metric EIG JRVR Insurance Specialty median
Gross margin 1.25% 35.43% 73.81%
Operating margin 1.25% 7.63% 17.70%
Net margin 0.91% 3.47% 13.80%
Free cash flow margin 2.35% (0.35%) 34.47%
Return on equity 0.78% 4.47% 12.01%
Return on assets 0.22% 0.46% 4.12%
Return on invested capital 0.55% 3.99% 8.77%

Growth

Metric EIG JRVR Insurance Specialty median
Revenue growth (TTM) (5.83%) (1.82%) 7.53%
EPS growth (last fiscal year) (90.23%) 125.82% —
Revenue growth, 5-year CAGR 3.84% 0.56% 2.24%
Net income growth, 5-year CAGR (38.20%) 52.32% 0.00%

Health

Metric EIG JRVR Insurance Specialty median
Debt to equity 0.15 0.50 0.15
Current ratio 0.37 0.63 0.53
Net debt to EBITDA (5.61) 0.43 0.28

Dividend

Metric EIG JRVR Insurance Specialty median
Dividend yield 2.69% 2.22% 2.60%
Payout ratio 0.23 0.21 0.21

Size

Metric EIG JRVR Insurance Specialty median
Market cap 854.38m 163.26m 3.13b

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