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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and James River Group Holdings, Inc. (JRVR). Click either name above to swap in a different company.
James River Group Holdings, Inc. is the larger business by last-quarter revenue ($167.7M vs $105.5M, roughly 1.6× CARRIAGE SERVICES INC). James River Group Holdings, Inc. runs the higher net margin — 19.1% vs 11.6%, a 7.5% gap on every dollar of revenue. On growth, James River Group Holdings, Inc. posted the faster year-over-year revenue change (32.4% vs 8.0%). CARRIAGE SERVICES INC produced more free cash flow last quarter ($6.2M vs $-23.6M). Over the past eight quarters, CARRIAGE SERVICES INC's revenue compounded faster (1.0% CAGR vs -8.7%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
James River Corporation was an American pulp and paper company based in Richmond, Virginia, once the largest paper manufacturer in the world.
CSV vs JRVR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $167.7M |
| Net Profit | $12.3M | $32.1M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 14.6% |
| Net Margin | 11.6% | 19.1% |
| Revenue YoY | 8.0% | 32.4% |
| Net Profit YoY | 24.5% | 149.5% |
| EPS (diluted) | $0.76 | $0.59 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $105.5M | $167.7M | ||
| Q3 25 | $102.7M | $172.7M | ||
| Q2 25 | $102.1M | $174.8M | ||
| Q1 25 | $107.1M | $172.3M | ||
| Q4 24 | $97.7M | $126.7M | ||
| Q3 24 | $100.7M | $191.5M | ||
| Q2 24 | $102.3M | $188.3M | ||
| Q1 24 | $103.5M | $201.1M |
| Q4 25 | $12.3M | $32.1M | ||
| Q3 25 | $6.6M | $1.0M | ||
| Q2 25 | $11.7M | $4.8M | ||
| Q1 25 | $20.9M | $9.6M | ||
| Q4 24 | $9.9M | $-64.8M | ||
| Q3 24 | $9.9M | $-39.4M | ||
| Q2 24 | $6.3M | $7.6M | ||
| Q1 24 | $7.0M | $15.4M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 14.6% | ||
| Q3 25 | 17.0% | 1.5% | ||
| Q2 25 | 23.5% | 4.2% | ||
| Q1 25 | 29.5% | 9.3% | ||
| Q4 24 | 21.6% | -57.0% | ||
| Q3 24 | 22.7% | -27.1% | ||
| Q2 24 | 18.0% | 10.7% | ||
| Q1 24 | 18.8% | 16.4% |
| Q4 25 | 11.6% | 19.1% | ||
| Q3 25 | 6.4% | 0.6% | ||
| Q2 25 | 11.5% | 2.7% | ||
| Q1 25 | 19.5% | 5.6% | ||
| Q4 24 | 10.1% | -51.1% | ||
| Q3 24 | 9.8% | -20.6% | ||
| Q2 24 | 6.1% | 4.0% | ||
| Q1 24 | 6.7% | 7.7% |
| Q4 25 | $0.76 | $0.59 | ||
| Q3 25 | $0.41 | $-0.02 | ||
| Q2 25 | $0.74 | $0.06 | ||
| Q1 25 | $1.34 | $0.16 | ||
| Q4 24 | $0.62 | $-2.44 | ||
| Q3 24 | $0.63 | $-1.10 | ||
| Q2 24 | $0.40 | $0.13 | ||
| Q1 24 | $0.45 | $0.35 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | $260.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $538.2M |
| Total Assets | $1.3B | $4.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $260.9M | ||
| Q3 25 | $1.2M | $238.8M | ||
| Q2 25 | $1.4M | $220.0M | ||
| Q1 25 | $4.6M | $279.4M | ||
| Q4 24 | $1.2M | $362.3M | ||
| Q3 24 | $1.3M | $359.8M | ||
| Q2 24 | $1.5M | $672.5M | ||
| Q1 24 | $1.7M | $305.5M |
| Q4 25 | $254.8M | $538.2M | ||
| Q3 25 | $242.1M | $503.6M | ||
| Q2 25 | $235.4M | $492.6M | ||
| Q1 25 | $223.1M | $484.5M | ||
| Q4 24 | $208.6M | $460.9M | ||
| Q3 24 | $198.1M | $530.3M | ||
| Q2 24 | $187.9M | $541.8M | ||
| Q1 24 | $179.6M | $539.5M |
| Q4 25 | $1.3B | $4.9B | ||
| Q3 25 | $1.3B | $5.0B | ||
| Q2 25 | $1.3B | $5.0B | ||
| Q1 25 | $1.3B | $4.9B | ||
| Q4 24 | $1.3B | $5.0B | ||
| Q3 24 | $1.3B | $5.0B | ||
| Q2 24 | $1.3B | $4.7B | ||
| Q1 24 | $1.3B | $5.3B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.1M | $-18.8M |
| Free Cash FlowOCF − Capex | $6.2M | $-23.6M |
| FCF MarginFCF / Revenue | 5.9% | -14.1% |
| Capex IntensityCapex / Revenue | 7.5% | 2.9% |
| Cash ConversionOCF / Net Profit | 1.15× | -0.59× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $-17.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $-18.8M | ||
| Q3 25 | $24.7M | $34.3M | ||
| Q2 25 | $8.1M | $25.2M | ||
| Q1 25 | $13.8M | $-51.5M | ||
| Q4 24 | $9.3M | $-247.1M | ||
| Q3 24 | $20.9M | $-269.9M | ||
| Q2 24 | $2.2M | $-8.7M | ||
| Q1 24 | $19.7M | $24.1M |
| Q4 25 | $6.2M | $-23.6M | ||
| Q3 25 | $18.0M | $33.7M | ||
| Q2 25 | $5.2M | $24.7M | ||
| Q1 25 | $10.6M | $-52.7M | ||
| Q4 24 | $4.9M | $-252.0M | ||
| Q3 24 | $16.2M | $-270.8M | ||
| Q2 24 | $-1.4M | $-9.3M | ||
| Q1 24 | $16.2M | $23.3M |
| Q4 25 | 5.9% | -14.1% | ||
| Q3 25 | 17.5% | 19.5% | ||
| Q2 25 | 5.1% | 14.1% | ||
| Q1 25 | 9.9% | -30.6% | ||
| Q4 24 | 5.0% | -198.9% | ||
| Q3 24 | 16.1% | -141.4% | ||
| Q2 24 | -1.4% | -4.9% | ||
| Q1 24 | 15.6% | 11.6% |
| Q4 25 | 7.5% | 2.9% | ||
| Q3 25 | 6.5% | 0.4% | ||
| Q2 25 | 2.8% | 0.3% | ||
| Q1 25 | 3.0% | 0.7% | ||
| Q4 24 | 4.5% | 3.9% | ||
| Q3 24 | 4.6% | 0.4% | ||
| Q2 24 | 3.5% | 0.3% | ||
| Q1 24 | 3.4% | 0.4% |
| Q4 25 | 1.15× | -0.59× | ||
| Q3 25 | 3.76× | 33.61× | ||
| Q2 25 | 0.69× | 5.29× | ||
| Q1 25 | 0.66× | -5.38× | ||
| Q4 24 | 0.94× | — | ||
| Q3 24 | 2.11× | — | ||
| Q2 24 | 0.34× | -1.14× | ||
| Q1 24 | 2.83× | 1.56× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
JRVR
| Excess And Surplus Lines | $156.7M | 93% |
| Specialty Admitted Insurance | $10.9M | 7% |
