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Side-by-side financial comparison of James River Group Holdings, Inc. (JRVR) and Porch Group, Inc. (PRCH). 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 $121.1M, roughly 1.4× Porch Group, Inc.). James River Group Holdings, Inc. runs the higher net margin — 19.1% vs -3.9%, a 23.0% gap on every dollar of revenue. On growth, Porch Group, Inc. posted the faster year-over-year revenue change (100.0% vs 32.4%). Over the past eight quarters, Porch Group, Inc.'s revenue compounded faster (26.4% 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.
Porch is a website that tries to connect homeowners with local home improvement contractors. The site features advice articles, cost guide, and online booking for over 160 home projects.
JRVR vs PRCH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $167.7M | $121.1M |
| Net Profit | $32.1M | $-4.7M |
| Gross Margin | — | 52.7% |
| Operating Margin | 14.6% | 34.7% |
| Net Margin | 19.1% | -3.9% |
| Revenue YoY | 32.4% | 100.0% |
| Net Profit YoY | 149.5% | 2.0% |
| EPS (diluted) | $0.59 | $-0.04 |
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.
| Q1 26 | — | $121.1M | ||
| Q4 25 | $167.7M | $112.3M | ||
| Q3 25 | $172.7M | $115.1M | ||
| Q2 25 | $174.8M | $107.0M | ||
| Q1 25 | $172.3M | $84.5M | ||
| Q4 24 | $126.7M | $75.3M | ||
| Q3 24 | $191.5M | $77.7M | ||
| Q2 24 | $188.3M | $75.9M |
| Q1 26 | — | $-4.7M | ||
| Q4 25 | $32.1M | $-3.5M | ||
| Q3 25 | $1.0M | $-10.9M | ||
| Q2 25 | $4.8M | $2.6M | ||
| Q1 25 | $9.6M | $8.4M | ||
| Q4 24 | $-64.8M | $30.5M | ||
| Q3 24 | $-39.4M | $14.4M | ||
| Q2 24 | $7.6M | $-64.3M |
| Q1 26 | — | 52.7% | ||
| Q4 25 | — | 99.5% | ||
| Q3 25 | — | 75.6% | ||
| Q2 25 | — | 70.9% | ||
| Q1 25 | — | 77.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 79.4% | ||
| Q2 24 | — | 22.1% |
| Q1 26 | — | 34.7% | ||
| Q4 25 | 14.6% | 14.7% | ||
| Q3 25 | 1.5% | 14.2% | ||
| Q2 25 | 4.2% | 4.7% | ||
| Q1 25 | 9.3% | -1.5% | ||
| Q4 24 | -57.0% | 33.3% | ||
| Q3 24 | -27.1% | -3.2% | ||
| Q2 24 | 10.7% | -69.2% |
| Q1 26 | — | -3.9% | ||
| Q4 25 | 19.1% | -3.1% | ||
| Q3 25 | 0.6% | -9.4% | ||
| Q2 25 | 2.7% | 2.4% | ||
| Q1 25 | 5.6% | 9.9% | ||
| Q4 24 | -51.1% | 40.5% | ||
| Q3 24 | -20.6% | 18.5% | ||
| Q2 24 | 4.0% | -84.8% |
| Q1 26 | — | $-0.04 | ||
| Q4 25 | $0.59 | $0.00 | ||
| Q3 25 | $-0.02 | $-0.10 | ||
| Q2 25 | $0.06 | $0.00 | ||
| Q1 25 | $0.16 | $0.07 | ||
| Q4 24 | $-2.44 | $0.34 | ||
| Q3 24 | $-1.10 | $0.12 | ||
| Q2 24 | $0.13 | $-0.65 |
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 | $68.4M |
| Total DebtLower is stronger | — | $391.3M |
| Stockholders' EquityBook value | $538.2M | $26.3M |
| Total Assets | $4.9B | $806.6M |
| Debt / EquityLower = less leverage | — | 14.87× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $68.4M | ||
| Q4 25 | $260.9M | $57.3M | ||
| Q3 25 | $238.8M | $85.0M | ||
| Q2 25 | $220.0M | $79.8M | ||
| Q1 25 | $279.4M | $70.4M | ||
| Q4 24 | $362.3M | $191.7M | ||
| Q3 24 | $359.8M | $238.6M | ||
| Q2 24 | $672.5M | $308.4M |
| Q1 26 | — | $391.3M | ||
| Q4 25 | — | $392.8M | ||
| Q3 25 | — | $387.1M | ||
| Q2 25 | — | $394.1M | ||
| Q1 25 | — | $409.2M | ||
| Q4 24 | — | $403.9M | ||
| Q3 24 | — | $399.0M | ||
| Q2 24 | — | $436.8M |
| Q1 26 | — | $26.3M | ||
| Q4 25 | $538.2M | $-24.6M | ||
| Q3 25 | $503.6M | $-27.9M | ||
| Q2 25 | $492.6M | $-29.3M | ||
| Q1 25 | $484.5M | $-52.4M | ||
| Q4 24 | $460.9M | $-43.2M | ||
| Q3 24 | $530.3M | $-77.0M | ||
| Q2 24 | $541.8M | $-101.9M |
| Q1 26 | — | $806.6M | ||
| Q4 25 | $4.9B | $797.4M | ||
| Q3 25 | $5.0B | $787.7M | ||
| Q2 25 | $5.0B | $770.7M | ||
| Q1 25 | $4.9B | $802.3M | ||
| Q4 24 | $5.0B | $814.0M | ||
| Q3 24 | $5.0B | $867.3M | ||
| Q2 24 | $4.7B | $876.1M |
| Q1 26 | — | 14.87× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | — |
| Free Cash FlowOCF − Capex | $-23.6M | — |
| FCF MarginFCF / Revenue | -14.1% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | -0.59× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-17.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-18.8M | $1.2M | ||
| Q3 25 | $34.3M | $40.8M | ||
| Q2 25 | $25.2M | $35.6M | ||
| Q1 25 | $-51.5M | $-11.2M | ||
| Q4 24 | $-247.1M | $-26.6M | ||
| Q3 24 | $-269.9M | $12.4M | ||
| Q2 24 | $-8.7M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-23.6M | $1.1M | ||
| Q3 25 | $33.7M | $40.7M | ||
| Q2 25 | $24.7M | $35.4M | ||
| Q1 25 | $-52.7M | $-11.2M | ||
| Q4 24 | $-252.0M | $-26.8M | ||
| Q3 24 | $-270.8M | $12.2M | ||
| Q2 24 | $-9.3M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | -14.1% | 1.0% | ||
| Q3 25 | 19.5% | 35.4% | ||
| Q2 25 | 14.1% | 33.0% | ||
| Q1 25 | -30.6% | -13.3% | ||
| Q4 24 | -198.9% | -35.6% | ||
| Q3 24 | -141.4% | 15.7% | ||
| Q2 24 | -4.9% | -34.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 0.1% | ||
| Q3 25 | 0.4% | 0.1% | ||
| Q2 25 | 0.3% | 0.2% | ||
| Q1 25 | 0.7% | 0.1% | ||
| Q4 24 | 3.9% | 0.3% | ||
| Q3 24 | 0.4% | 0.3% | ||
| Q2 24 | 0.3% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | -0.59× | — | ||
| Q3 25 | 33.61× | — | ||
| Q2 25 | 5.29× | 13.79× | ||
| Q1 25 | -5.38× | -1.33× | ||
| Q4 24 | — | -0.87× | ||
| Q3 24 | — | 0.86× | ||
| Q2 24 | -1.14× | — |
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% |
PRCH
Segment breakdown not available.
