James River Group Holdings, Ltd. (JRVR) vs Tiptree Financial Inc. (TIPT)

James River Group Holdings, Ltd. and Tiptree Financial Inc. are both Insurance Specialty companies. Tiptree Financial Inc. is the larger, with a market value of $632.3M against $163.3M — 3.9× the size. Tiptree Financial Inc. trades at the lower P/E: 1.6× against 6.9×. James River Group Holdings, Ltd. grew revenue faster over the last twelve months: −1.82% against −67.9%. James River Group Holdings, Ltd. has the higher net margin (3.47% vs 0.00%) and the higher return on invested capital (3.99% vs 0.00%). Both pay a dividend; James River Group Holdings, Ltd. yields more (2.22% vs 1.22%). Across the 22 metrics below, James River Group Holdings, Ltd. leads on 12 and Tiptree Financial Inc. on 10.

Valuation

Metric JRVR TIPT Insurance Specialty median
P/E 6.92 1.55 9.15
P/S 0.25 1,317.92 1.84
P/B 0.31 0.71 1.16
Price to free cash flow n/m 3.07 8.16
EV/EBITDA 5.80 9.81 7.51
EV/Sales 0.44 (799.01) 2.17
Earnings yield 14.45% 64.31% 10.79%
Free cash flow yield (1.41%) 32.58% 11.79%

Profitability

Metric JRVR TIPT Insurance Specialty median
Gross margin 35.43% 100.00% 73.81%
Operating margin 7.63% 0.00% 17.70%
Net margin 3.47% 0.00% 13.80%
Free cash flow margin (0.35%) 0.00% 34.47%
Return on equity 4.47% 50.76% 12.01%
Return on assets 0.46% 11.37% 4.12%
Return on invested capital 3.99% 0.00% 8.77%

Growth

Metric JRVR TIPT Insurance Specialty median
Revenue growth (TTM) (1.82%) (67.89%) 7.53%
EPS growth (last fiscal year) 125.82% (41.54%) —
Revenue growth, 5-year CAGR 0.56% (77.30%) 2.24%
Net income growth, 5-year CAGR 52.32% 0.00% 0.00%

Health

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

Dividend

Metric JRVR TIPT Insurance Specialty median
Dividend yield 2.22% 1.22% 2.60%
Payout ratio 0.21 0.32 0.21

Size

Metric JRVR TIPT Insurance Specialty median
Market cap 163.26m 632.33m 3.13b

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