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Side-by-side financial comparison of James River Group Holdings, Inc. (JRVR) and PAMT CORP (PAMT). 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 $141.3M, roughly 1.2× PAMT CORP). James River Group Holdings, Inc. runs the higher net margin — 19.1% vs -20.7%, a 39.8% gap on every dollar of revenue. On growth, James River Group Holdings, Inc. posted the faster year-over-year revenue change (32.4% vs -15.1%). James River Group Holdings, Inc. produced more free cash flow last quarter ($-23.6M vs $-25.0M). Over the past eight quarters, James River Group Holdings, Inc.'s revenue compounded faster (-8.7% CAGR vs -12.0%).
James River Corporation was an American pulp and paper company based in Richmond, Virginia, once the largest paper manufacturer in the world.
JRVR vs PAMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $167.7M | $141.3M |
| Net Profit | $32.1M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | 14.6% | -27.0% |
| Net Margin | 19.1% | -20.7% |
| Revenue YoY | 32.4% | -15.1% |
| Net Profit YoY | 149.5% | 7.4% |
| EPS (diluted) | $0.59 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $172.7M | $150.3M | ||
| Q2 25 | $174.8M | $151.1M | ||
| Q1 25 | $172.3M | $155.3M | ||
| Q4 24 | $126.7M | $166.5M | ||
| Q3 24 | $191.5M | $182.6M | ||
| Q2 24 | $188.3M | $182.9M | ||
| Q1 24 | $201.1M | $182.6M |
| Q4 25 | $32.1M | $-29.3M | ||
| Q3 25 | $1.0M | $-5.6M | ||
| Q2 25 | $4.8M | $-9.6M | ||
| Q1 25 | $9.6M | $-8.1M | ||
| Q4 24 | $-64.8M | $-31.6M | ||
| Q3 24 | $-39.4M | $2.4M | ||
| Q2 24 | $7.6M | $-2.9M | ||
| Q1 24 | $15.4M | $281.0K |
| Q4 25 | 14.6% | -27.0% | ||
| Q3 25 | 1.5% | -3.8% | ||
| Q2 25 | 4.2% | -7.3% | ||
| Q1 25 | 9.3% | -5.9% | ||
| Q4 24 | -57.0% | -22.6% | ||
| Q3 24 | -27.1% | 1.3% | ||
| Q2 24 | 10.7% | -0.4% | ||
| Q1 24 | 16.4% | -0.4% |
| Q4 25 | 19.1% | -20.7% | ||
| Q3 25 | 0.6% | -3.7% | ||
| Q2 25 | 2.7% | -6.4% | ||
| Q1 25 | 5.6% | -5.2% | ||
| Q4 24 | -51.1% | -19.0% | ||
| Q3 24 | -20.6% | 1.3% | ||
| Q2 24 | 4.0% | -1.6% | ||
| Q1 24 | 7.7% | 0.2% |
| Q4 25 | $0.59 | $-1.38 | ||
| Q3 25 | $-0.02 | $-0.27 | ||
| Q2 25 | $0.06 | $-0.46 | ||
| Q1 25 | $0.16 | $-0.37 | ||
| Q4 24 | $-2.44 | $-1.44 | ||
| Q3 24 | $-1.10 | $0.11 | ||
| Q2 24 | $0.13 | $-0.13 | ||
| Q1 24 | $0.35 | $0.01 |
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 | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $538.2M | $210.5M |
| Total Assets | $4.9B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $260.9M | $83.7M | ||
| Q3 25 | $238.8M | $115.6M | ||
| Q2 25 | $220.0M | $117.3M | ||
| Q1 25 | $279.4M | $102.7M | ||
| Q4 24 | $362.3M | $110.7M | ||
| Q3 24 | $359.8M | $92.3M | ||
| Q2 24 | $672.5M | $114.0M | ||
| Q1 24 | $305.5M | $125.8M |
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $538.2M | $210.5M | ||
| Q3 25 | $503.6M | $239.5M | ||
| Q2 25 | $492.6M | $244.9M | ||
| Q1 25 | $484.5M | $269.6M | ||
| Q4 24 | $460.9M | $277.5M | ||
| Q3 24 | $530.3M | $308.9M | ||
| Q2 24 | $541.8M | $306.7M | ||
| Q1 24 | $539.5M | $314.6M |
| Q4 25 | $4.9B | $697.9M | ||
| Q3 25 | $5.0B | $715.2M | ||
| Q2 25 | $5.0B | $707.9M | ||
| Q1 25 | $4.9B | $712.6M | ||
| Q4 24 | $5.0B | $741.7M | ||
| Q3 24 | $5.0B | $756.7M | ||
| Q2 24 | $4.7B | $733.5M | ||
| Q1 24 | $5.3B | $746.4M |
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-5.8M |
| Free Cash FlowOCF − Capex | $-23.6M | $-25.0M |
| FCF MarginFCF / Revenue | -14.1% | -17.7% |
| Capex IntensityCapex / Revenue | 2.9% | 13.6% |
| Cash ConversionOCF / Net Profit | -0.59× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-17.9M | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-18.8M | $-5.8M | ||
| Q3 25 | $34.3M | $5.9M | ||
| Q2 25 | $25.2M | $12.2M | ||
| Q1 25 | $-51.5M | $5.0M | ||
| Q4 24 | $-247.1M | $15.2M | ||
| Q3 24 | $-269.9M | $15.5M | ||
| Q2 24 | $-8.7M | $18.7M | ||
| Q1 24 | $24.1M | $9.6M |
| Q4 25 | $-23.6M | $-25.0M | ||
| Q3 25 | $33.7M | $2.5M | ||
| Q2 25 | $24.7M | $5.9M | ||
| Q1 25 | $-52.7M | $-6.8M | ||
| Q4 24 | $-252.0M | $-39.9M | ||
| Q3 24 | $-270.8M | $-33.6M | ||
| Q2 24 | $-9.3M | $4.1M | ||
| Q1 24 | $23.3M | $-12.2M |
| Q4 25 | -14.1% | -17.7% | ||
| Q3 25 | 19.5% | 1.7% | ||
| Q2 25 | 14.1% | 3.9% | ||
| Q1 25 | -30.6% | -4.4% | ||
| Q4 24 | -198.9% | -24.0% | ||
| Q3 24 | -141.4% | -18.4% | ||
| Q2 24 | -4.9% | 2.2% | ||
| Q1 24 | 11.6% | -6.7% |
| Q4 25 | 2.9% | 13.6% | ||
| Q3 25 | 0.4% | 2.3% | ||
| Q2 25 | 0.3% | 4.2% | ||
| Q1 25 | 0.7% | 7.6% | ||
| Q4 24 | 3.9% | 33.1% | ||
| Q3 24 | 0.4% | 26.9% | ||
| Q2 24 | 0.3% | 8.0% | ||
| Q1 24 | 0.4% | 12.0% |
| Q4 25 | -0.59× | — | ||
| Q3 25 | 33.61× | — | ||
| Q2 25 | 5.29× | — | ||
| Q1 25 | -5.38× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 6.44× | ||
| Q2 24 | -1.14× | — | ||
| Q1 24 | 1.56× | 34.11× |
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% |
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
