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Side-by-side financial comparison of James River Group Holdings, Inc. (JRVR) and Loar Holdings Inc. (LOAR). 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 $131.8M, roughly 1.3× Loar Holdings Inc.). James River Group Holdings, Inc. runs the higher net margin — 19.1% vs 9.5%, a 9.6% gap on every dollar of revenue. On growth, James River Group Holdings, Inc. posted the faster year-over-year revenue change (32.4% vs 19.3%). Over the past eight quarters, Loar Holdings Inc.'s revenue compounded faster (19.8% CAGR vs -8.7%).
James River Corporation was an American pulp and paper company based in Richmond, Virginia, once the largest paper manufacturer in the world.
JRVR vs LOAR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $167.7M | $131.8M |
| Net Profit | $32.1M | $12.5M |
| Gross Margin | — | 52.1% |
| Operating Margin | 14.6% | 18.0% |
| Net Margin | 19.1% | 9.5% |
| Revenue YoY | 32.4% | 19.3% |
| Net Profit YoY | 149.5% | 239.5% |
| EPS (diluted) | $0.59 | $0.13 |
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 | $167.7M | $131.8M | ||
| Q3 25 | $172.7M | $126.8M | ||
| Q2 25 | $174.8M | $123.1M | ||
| Q1 25 | $172.3M | $114.7M | ||
| Q4 24 | $126.7M | $110.4M | ||
| Q3 24 | $191.5M | $103.5M | ||
| Q2 24 | $188.3M | $97.0M | ||
| Q1 24 | $201.1M | $91.8M |
| Q4 25 | $32.1M | $12.5M | ||
| Q3 25 | $1.0M | $27.6M | ||
| Q2 25 | $4.8M | $16.7M | ||
| Q1 25 | $9.6M | $15.3M | ||
| Q4 24 | $-64.8M | $3.7M | ||
| Q3 24 | $-39.4M | $8.7M | ||
| Q2 24 | $7.6M | $7.6M | ||
| Q1 24 | $15.4M | $2.2M |
| Q4 25 | — | 52.1% | ||
| Q3 25 | — | 52.7% | ||
| Q2 25 | — | 53.8% | ||
| Q1 25 | — | 52.1% | ||
| Q4 24 | — | 48.9% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 49.0% | ||
| Q1 24 | — | 48.4% |
| Q4 25 | 14.6% | 18.0% | ||
| Q3 25 | 1.5% | 22.9% | ||
| Q2 25 | 4.2% | 22.2% | ||
| Q1 25 | 9.3% | 22.8% | ||
| Q4 24 | -57.0% | 19.2% | ||
| Q3 24 | -27.1% | 22.1% | ||
| Q2 24 | 10.7% | 22.9% | ||
| Q1 24 | 16.4% | 23.3% |
| Q4 25 | 19.1% | 9.5% | ||
| Q3 25 | 0.6% | 21.8% | ||
| Q2 25 | 2.7% | 13.6% | ||
| Q1 25 | 5.6% | 13.4% | ||
| Q4 24 | -51.1% | 3.3% | ||
| Q3 24 | -20.6% | 8.4% | ||
| Q2 24 | 4.0% | 7.9% | ||
| Q1 24 | 7.7% | 2.4% |
| Q4 25 | $0.59 | $0.13 | ||
| Q3 25 | $-0.02 | $0.29 | ||
| Q2 25 | $0.06 | $0.17 | ||
| Q1 25 | $0.16 | $0.16 | ||
| Q4 24 | $-2.44 | $-11023.48 | ||
| Q3 24 | $-1.10 | $0.09 | ||
| Q2 24 | $0.13 | $0.09 | ||
| Q1 24 | $0.35 | $11023.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $260.9M | $84.8M |
| Total DebtLower is stronger | — | $715.7M |
| Stockholders' EquityBook value | $538.2M | $1.2B |
| Total Assets | $4.9B | $2.0B |
| Debt / EquityLower = less leverage | — | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $260.9M | $84.8M | ||
| Q3 25 | $238.8M | $99.0M | ||
| Q2 25 | $220.0M | $103.3M | ||
| Q1 25 | $279.4M | $80.5M | ||
| Q4 24 | $362.3M | $54.1M | ||
| Q3 24 | $359.8M | $55.2M | ||
| Q2 24 | $672.5M | $73.2M | ||
| Q1 24 | $305.5M | $28.2M |
| Q4 25 | — | $715.7M | ||
| Q3 25 | — | $279.4M | ||
| Q2 25 | — | $277.7M | ||
| Q1 25 | — | $277.5M | ||
| Q4 24 | — | $277.3M | ||
| Q3 24 | — | $602.1M | ||
| Q2 24 | — | $250.7M | ||
| Q1 24 | — | $534.2M |
| Q4 25 | $538.2M | $1.2B | ||
| Q3 25 | $503.6M | $1.2B | ||
| Q2 25 | $492.6M | $1.1B | ||
| Q1 25 | $484.5M | $1.1B | ||
| Q4 24 | $460.9M | $1.1B | ||
| Q3 24 | $530.3M | $769.8M | ||
| Q2 24 | $541.8M | $758.4M | ||
| Q1 24 | $539.5M | $420.6M |
| Q4 25 | $4.9B | $2.0B | ||
| Q3 25 | $5.0B | $1.5B | ||
| Q2 25 | $5.0B | $1.5B | ||
| Q1 25 | $4.9B | $1.5B | ||
| Q4 24 | $5.0B | $1.5B | ||
| Q3 24 | $5.0B | $1.5B | ||
| Q2 24 | $4.7B | $1.1B | ||
| Q1 24 | $5.3B | $1.1B |
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.25× | ||
| Q1 25 | — | 0.25× | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.78× | ||
| Q2 24 | — | 0.33× | ||
| Q1 24 | — | 1.27× |
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 | $-18.8M | $30.4M |
| Free Cash FlowOCF − Capex | $-23.6M | — |
| FCF MarginFCF / Revenue | -14.1% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | -0.59× | 2.43× |
| TTM Free Cash FlowTrailing 4 quarters | $-17.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-18.8M | $30.4M | ||
| Q3 25 | $34.3M | $29.7M | ||
| Q2 25 | $25.2M | $23.8M | ||
| Q1 25 | $-51.5M | $28.4M | ||
| Q4 24 | $-247.1M | $20.7M | ||
| Q3 24 | $-269.9M | $16.3M | ||
| Q2 24 | $-8.7M | $7.1M | ||
| Q1 24 | $24.1M | $10.8M |
| Q4 25 | $-23.6M | — | ||
| Q3 25 | $33.7M | — | ||
| Q2 25 | $24.7M | — | ||
| Q1 25 | $-52.7M | — | ||
| Q4 24 | $-252.0M | — | ||
| Q3 24 | $-270.8M | — | ||
| Q2 24 | $-9.3M | — | ||
| Q1 24 | $23.3M | — |
| Q4 25 | -14.1% | — | ||
| Q3 25 | 19.5% | — | ||
| Q2 25 | 14.1% | — | ||
| Q1 25 | -30.6% | — | ||
| Q4 24 | -198.9% | — | ||
| Q3 24 | -141.4% | — | ||
| Q2 24 | -4.9% | — | ||
| Q1 24 | 11.6% | — |
| Q4 25 | 2.9% | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 3.9% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 0.4% | — |
| Q4 25 | -0.59× | 2.43× | ||
| Q3 25 | 33.61× | 1.08× | ||
| Q2 25 | 5.29× | 1.42× | ||
| Q1 25 | -5.38× | 1.85× | ||
| Q4 24 | — | 5.62× | ||
| Q3 24 | — | 1.89× | ||
| Q2 24 | -1.14× | 0.93× | ||
| Q1 24 | 1.56× | 4.81× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
JRVR
| Excess And Surplus Lines | $156.7M | 93% |
| Specialty Admitted Insurance | $10.9M | 7% |
LOAR
| Other | $76.8M | 58% |
| Commercial Aerospace | $21.2M | 16% |
| Business Jet And General Aviation | $17.6M | 13% |
| Defense | $16.2M | 12% |
