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Side-by-side financial comparison of James River Group Holdings, Inc. (JRVR) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
UNIVERSAL TECHNICAL INSTITUTE INC is the larger business by last-quarter revenue ($220.8M vs $167.7M, roughly 1.3× James River Group Holdings, Inc.). James River Group Holdings, Inc. runs the higher net margin — 19.1% vs 5.8%, a 13.3% gap on every dollar of revenue. On growth, James River Group Holdings, Inc. posted the faster year-over-year revenue change (32.4% vs 9.6%). UNIVERSAL TECHNICAL INSTITUTE INC produced more free cash flow last quarter ($-19.2M vs $-23.6M). Over the past eight quarters, UNIVERSAL TECHNICAL INSTITUTE INC's revenue compounded faster (9.5% 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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
JRVR vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $167.7M | $220.8M |
| Net Profit | $32.1M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | 14.6% | 7.1% |
| Net Margin | 19.1% | 5.8% |
| Revenue YoY | 32.4% | 9.6% |
| Net Profit YoY | 149.5% | -42.1% |
| EPS (diluted) | $0.59 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $172.7M | $222.4M | ||
| Q2 25 | $174.8M | $204.3M | ||
| Q1 25 | $172.3M | $207.4M | ||
| Q4 24 | $126.7M | $201.4M | ||
| Q3 24 | $191.5M | $196.4M | ||
| Q2 24 | $188.3M | $177.5M | ||
| Q1 24 | $201.1M | $184.2M |
| Q4 25 | $32.1M | $12.8M | ||
| Q3 25 | $1.0M | $18.8M | ||
| Q2 25 | $4.8M | $10.7M | ||
| Q1 25 | $9.6M | $11.4M | ||
| Q4 24 | $-64.8M | $22.2M | ||
| Q3 24 | $-39.4M | $18.8M | ||
| Q2 24 | $7.6M | $5.0M | ||
| Q1 24 | $15.4M | $7.8M |
| Q4 25 | 14.6% | 7.1% | ||
| Q3 25 | 1.5% | 11.2% | ||
| Q2 25 | 4.2% | 6.9% | ||
| Q1 25 | 9.3% | 8.1% | ||
| Q4 24 | -57.0% | 13.6% | ||
| Q3 24 | -27.1% | 13.3% | ||
| Q2 24 | 10.7% | 4.2% | ||
| Q1 24 | 16.4% | 6.1% |
| Q4 25 | 19.1% | 5.8% | ||
| Q3 25 | 0.6% | 8.4% | ||
| Q2 25 | 2.7% | 5.2% | ||
| Q1 25 | 5.6% | 5.5% | ||
| Q4 24 | -51.1% | 11.0% | ||
| Q3 24 | -20.6% | 9.6% | ||
| Q2 24 | 4.0% | 2.8% | ||
| Q1 24 | 7.7% | 4.2% |
| Q4 25 | $0.59 | $0.23 | ||
| Q3 25 | $-0.02 | $0.33 | ||
| Q2 25 | $0.06 | $0.19 | ||
| Q1 25 | $0.16 | $0.21 | ||
| Q4 24 | $-2.44 | $0.40 | ||
| Q3 24 | $-1.10 | $0.35 | ||
| Q2 24 | $0.13 | $0.09 | ||
| Q1 24 | $0.35 | $0.14 |
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 | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $538.2M | $335.9M |
| Total Assets | $4.9B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $260.9M | $162.8M | ||
| Q3 25 | $238.8M | $169.1M | ||
| Q2 25 | $220.0M | $70.7M | ||
| Q1 25 | $279.4M | $96.0M | ||
| Q4 24 | $362.3M | $172.0M | ||
| Q3 24 | $359.8M | $161.9M | ||
| Q2 24 | $672.5M | $115.5M | ||
| Q1 24 | $305.5M | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $538.2M | $335.9M | ||
| Q3 25 | $503.6M | $328.1M | ||
| Q2 25 | $492.6M | $306.8M | ||
| Q1 25 | $484.5M | $293.9M | ||
| Q4 24 | $460.9M | $280.0M | ||
| Q3 24 | $530.3M | $260.2M | ||
| Q2 24 | $541.8M | $239.4M | ||
| Q1 24 | $539.5M | $232.6M |
| Q4 25 | $4.9B | $834.0M | ||
| Q3 25 | $5.0B | $826.1M | ||
| Q2 25 | $5.0B | $740.8M | ||
| Q1 25 | $4.9B | $720.4M | ||
| Q4 24 | $5.0B | $753.8M | ||
| Q3 24 | $5.0B | $744.6M | ||
| Q2 24 | $4.7B | $706.0M | ||
| Q1 24 | $5.3B | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
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 | $3.1M |
| Free Cash FlowOCF − Capex | $-23.6M | $-19.2M |
| FCF MarginFCF / Revenue | -14.1% | -8.7% |
| Capex IntensityCapex / Revenue | 2.9% | 10.1% |
| Cash ConversionOCF / Net Profit | -0.59× | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $-17.9M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-18.8M | $3.1M | ||
| Q3 25 | $34.3M | $57.1M | ||
| Q2 25 | $25.2M | $18.1M | ||
| Q1 25 | $-51.5M | $-789.0K | ||
| Q4 24 | $-247.1M | $23.0M | ||
| Q3 24 | $-269.9M | $67.5M | ||
| Q2 24 | $-8.7M | $10.0M | ||
| Q1 24 | $24.1M | $-2.5M |
| Q4 25 | $-23.6M | $-19.2M | ||
| Q3 25 | $33.7M | $40.6M | ||
| Q2 25 | $24.7M | $6.8M | ||
| Q1 25 | $-52.7M | $-11.7M | ||
| Q4 24 | $-252.0M | $19.6M | ||
| Q3 24 | $-270.8M | $60.0M | ||
| Q2 24 | $-9.3M | $3.0M | ||
| Q1 24 | $23.3M | $-8.4M |
| Q4 25 | -14.1% | -8.7% | ||
| Q3 25 | 19.5% | 18.3% | ||
| Q2 25 | 14.1% | 3.4% | ||
| Q1 25 | -30.6% | -5.7% | ||
| Q4 24 | -198.9% | 9.7% | ||
| Q3 24 | -141.4% | 30.6% | ||
| Q2 24 | -4.9% | 1.7% | ||
| Q1 24 | 11.6% | -4.6% |
| Q4 25 | 2.9% | 10.1% | ||
| Q3 25 | 0.4% | 7.4% | ||
| Q2 25 | 0.3% | 5.5% | ||
| Q1 25 | 0.7% | 5.3% | ||
| Q4 24 | 3.9% | 1.7% | ||
| Q3 24 | 0.4% | 3.8% | ||
| Q2 24 | 0.3% | 4.0% | ||
| Q1 24 | 0.4% | 3.2% |
| Q4 25 | -0.59× | 0.24× | ||
| Q3 25 | 33.61× | 3.04× | ||
| Q2 25 | 5.29× | 1.69× | ||
| Q1 25 | -5.38× | -0.07× | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | — | 3.58× | ||
| Q2 24 | -1.14× | 2.01× | ||
| Q1 24 | 1.56× | -0.32× |
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% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
