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Mar 31, 2022

James River Q1 2022 Earnings Report

James River reported a strong start to the year, driven by attractive market conditions in the E&S segment and disciplined underwriting.

Key Takeaways

James River Group Holdings reported a net income of $9.3 million, or $0.25 per diluted share, for the first quarter of 2022, compared to a net loss of $103.5 million, or $3.37 per diluted share, for the first quarter of 2021. Adjusted net operating income for the first quarter of 2022 was $13.9 million, or $0.37 per diluted share, compared to an adjusted net operating loss of $108.8 million for the same period in 2021. The Group combined ratio was 97.4%, elevated by 6.1 percentage points due to the Casualty Reinsurance loss portfolio transfer. The E&S segment produced a combined ratio of 83.7%.

Net income available to common shareholders was $9.3 million ($0.25 per diluted share).

Adjusted net operating income was $13.9 million ($0.37 per diluted share).

The Group combined ratio of 97.4% was elevated by 6.1 percentage points due to the Casualty Reinsurance loss portfolio transfer, while the E&S segment produced a combined ratio of 83.7%.

E&S gross written premium increased by 12.6%, and E&S renewal pricing increased by 8.4%.

Total Revenue
$190M
Previous year: $161M
+18.2%
EPS
$0.37
Previous year: -$3.54
-110.5%
Combined Ratio
97.4%
Previous year: 199.2%
-51.1%
Expense Ratio
26%
Previous year: 28.9%
-10.0%
Loss Ratio
71.4%
Previous year: 170.3%
-58.1%
Gross Profit
$152M
Previous year: $136M
+12.0%
Cash and Equivalents
$270M
Previous year: $183M
+47.3%
Free Cash Flow
$63.6M
Previous year: -$81M
-178.5%
Total Assets
$5.27B
Previous year: $5.11B
+3.1%

James River

James River

James River Revenue by Segment

Forward Guidance

James River will hold a conference call to discuss its third quarter results tomorrow, May 10, 2022 at 8:30 a.m. Eastern Time. Investors may access the conference call by dialing (877) 930-8055, Conference ID# 7872437, or via the internet by visiting www.jrgh.net and clicking on the “Investor Relations” link.

Revenue & Expenses

Visualization of income flow from segment revenue to net income