Investors Title Company (ITIC) vs James River Group Holdings, Ltd. (JRVR)

Investors Title Company and James River Group Holdings, Ltd. are both Insurance Specialty companies. Investors Title Company is the larger, with a market value of $542.3M against $163.3M — 3.3× the size. James River Group Holdings, Ltd. trades at the lower P/E: 6.9× against 13.4×. Investors Title Company grew revenue faster over the last twelve months: 8.67% against −1.82%. Investors Title Company has the higher net margin (13.8% vs 3.47%) and the higher return on invested capital (12.2% vs 3.99%). Both pay a dividend; James River Group Holdings, Ltd. yields more (2.22% vs 1.11%). Across the 22 metrics below, Investors Title Company leads on 12 and James River Group Holdings, Ltd. on 10.

Valuation

Metric ITIC JRVR Insurance Specialty median
P/E 13.36 6.92 9.15
P/S 1.84 0.25 1.84
P/B 1.88 0.31 1.16
Price to free cash flow 20.42 n/m 8.16
EV/EBITDA 9.47 5.80 7.51
EV/Sales 1.77 0.44 2.17
Earnings yield 7.48% 14.45% 10.79%
Free cash flow yield 4.90% (1.41%) 11.79%

Profitability

Metric ITIC JRVR Insurance Specialty median
Gross margin 56.22% 35.43% 73.81%
Operating margin 17.70% 7.63% 17.70%
Net margin 13.80% 3.47% 13.80%
Free cash flow margin 9.02% (0.35%) 34.47%
Return on equity 14.63% 4.47% 12.01%
Return on assets 11.14% 0.46% 4.12%
Return on invested capital 12.18% 3.99% 8.77%

Growth

Metric ITIC JRVR Insurance Specialty median
Revenue growth (TTM) 8.67% (1.82%) 7.53%
EPS growth (last fiscal year) 13.02% 125.82% —
Revenue growth, 5-year CAGR 2.90% 0.56% 2.24%
Net income growth, 5-year CAGR (2.25%) 52.32% 0.00%

Health

Metric ITIC JRVR Insurance Specialty median
Debt to equity 0.00 0.50 0.15
Current ratio 0.52 0.63 0.53
Net debt to EBITDA (0.44) 0.43 0.28

Dividend

Metric ITIC JRVR Insurance Specialty median
Dividend yield 1.11% 2.22% 2.60%
Payout ratio 0.14 0.21 0.21

Size

Metric ITIC JRVR Insurance Specialty median
Market cap 542.31m 163.26m 3.13b

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