James River Group (NASDAQ:JRVR) & Presurance (NASDAQ:PRHI) Head to Head Contrast
by Mitch Edgeman · The Markets DailyPresurance (NASDAQ:PRHI – Get Free Report) and James River Group (NASDAQ:JRVR – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, valuation, profitability, dividends, earnings, institutional ownership and risk.
Institutional and Insider Ownership
34.9% of Presurance shares are owned by institutional investors. Comparatively, 95.2% of James River Group shares are owned by institutional investors. 73.3% of Presurance shares are owned by company insiders. Comparatively, 34.0% of James River Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares Presurance and James River Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Presurance | -49.56% | -89.12% | -7.90% |
| James River Group | 4.68% | 9.93% | 1.07% |
Analyst Recommendations
This is a breakdown of current ratings for Presurance and James River Group, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Presurance | 1 | 0 | 0 | 0 | 1.00 |
| James River Group | 1 | 6 | 0 | 0 | 1.86 |
Presurance presently has a consensus target price of $7.00, indicating a potential downside of 3.71%. James River Group has a consensus target price of $5.75, indicating a potential upside of 62.89%. Given James River Group’s stronger consensus rating and higher probable upside, analysts plainly believe James River Group is more favorable than Presurance.
Volatility & Risk
Presurance has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, James River Group has a beta of -0.21, suggesting that its stock price is 121% less volatile than the S&P 500.
Earnings and Valuation
This table compares Presurance and James River Group”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Presurance | $43.30 million | 0.63 | -$18.44 million | ($10.24) | -0.71 |
| James River Group | $653.21 million | 0.25 | $47.43 million | $0.38 | 9.29 |
James River Group has higher revenue and earnings than Presurance. Presurance is trading at a lower price-to-earnings ratio than James River Group, indicating that it is currently the more affordable of the two stocks.
Summary
James River Group beats Presurance on 10 of the 13 factors compared between the two stocks.
About Presurance
Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. It offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, including companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as low- value dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wholesale agency services comprising commercial and personal lines insurance products for its insurance company subsidiaries, as well as third party insurers. Conifer Holdings, Inc. markets and sells its insurance products through a network of approximately 4,600 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Birmingham, Michigan.
About James River Group
James River Group Holdings, Ltd., through its subsidiaries, provides specialty insurance services. It operates through Excess and Surplus Lines, and Specialty Admitted Insurance segments. The Excess and Surplus Lines segment underwrites liability and property insurance in the United States Puerto Rice, and the United States Virgin Islands. This segment distributes its insurance policies primarily through wholesale insurance brokers. The Specialty Admitted Insurance segment provides insurance for fronting, program administrators, managing general agents, and independent retail agents. James River Group Holdings, Ltd. was founded in 2002 and is headquartered in Pembroke, Bermuda.