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James River Group Holdings, Ltd. (JRVR) vs Radian Group Inc. (RDN)

James River Group Holdings, Ltd. and Radian Group Inc. are both Insurance Specialty companies. Radian Group Inc. is the larger, with a market value of $4.9B against $185.0M — 26.7× the size. James River Group Holdings, Ltd. trades at the lower P/E: 7.8× against 9.5×. Radian Group Inc. grew revenue faster over the last twelve months: 41.9% against −1.82%. Radian Group Inc. has the higher net margin (32.6% vs 3.47%) and the higher return on invested capital (7.69% vs 3.99%). Both pay a dividend; Radian Group Inc. yields more (2.75% vs 1.00%). Across the 20 metrics below, Radian Group Inc. leads on 11 and James River Group Holdings, Ltd. on 9.

Valuation

Metric JRVR RDN Insurance Specialty median
P/E 7.82 9.47 9.49
P/S 0.28 3.06 1.69
P/B 0.35 1.05 1.23
Price to free cash flow n/m 3.61 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.78% 10.56% 10.48%
Free cash flow yield (1.25%) 27.67% 10.87%

Profitability

Metric JRVR RDN Insurance Specialty median
Gross margin 35.43% 69.22% 56.22%
Operating margin 7.63% 48.72% 15.19%
Net margin 3.47% 32.60% 13.80%
Free cash flow margin (0.35%) 84.53% 34.47%
Return on equity 4.47% 11.53% 12.01%
Return on assets 0.46% 5.30% 3.55%
Return on invested capital 3.99% 7.69% 9.88%

Growth

Metric JRVR RDN Insurance Specialty median
Revenue growth (TTM) (1.82%) 41.92% 7.68%
EPS growth (last fiscal year) 125.82% 5.61% 8.65%
Revenue growth, 5-year CAGR 0.56% (3.61%) 2.24%
Net income growth, 5-year CAGR 52.32% 8.16% 0.00%

Health

Metric JRVR RDN Insurance Specialty median
Debt to equity 0.50 0.26 0.16
Current ratio 0.63 0.39 0.52
Net debt to EBITDA 0.43 1.20 0.28

Dividend

Metric JRVR RDN Insurance Specialty median
Dividend yield 1.00% 2.75% 2.06%
Payout ratio 0.11 0.26 0.19

Size

Metric JRVR RDN Insurance Specialty median
Market cap 184.99m 4.93b 3.31b

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