Jun 30, 2021

James River Q2 2021 Earnings Report

Reported net income of $20.8 million and adjusted net operating income of $18.8 million.

Key Takeaways

James River Group Holdings reported excellent second quarter results, with a net income of $20.8 million ($0.60 per diluted share) and adjusted net operating income of $18.8 million ($0.54 per diluted share). The company saw growth in core E&S gross written premiums, an increase in E&S renewal rates, and scaling of the fronting business in the Specialty Admitted Insurance segment. The Group also produced a record underwriting profit in the quarter.

Second Quarter 2021 Net Income of $20.8 million - ($0.60 per diluted share) and Adjusted Net Operating Income of $18.8 million - ($0.54 per diluted share)

Combined ratio of 89.7% for the Group and 77.2% in the E&S segment, an improvement of 5.3 and 6.8 points, respectively, over the prior year quarter.

Record quarterly underwriting profit of $25.7 million for the combined operating segments

15.1% growth in Core (excluding Commercial Auto) Excess and Surplus Lines ("E&S") Gross Written Premium and 18.1% increase in E&S renewal pricing, each versus the prior year quarter

Total Revenue
$173M
Previous year: $149M
+16.1%
EPS
$0.54
Previous year: $0.56
-3.6%
Combined Ratio
89.7%
Previous year: 95%
-5.6%
Expense Ratio
26%
Previous year: 28.6%
-9.1%
Loss Ratio
63.7%
Gross Profit
$146M
Previous year: $143M
+1.7%
Cash and Equivalents
$361M
Previous year: $204M
+76.7%
Free Cash Flow
-$13.9M
Previous year: -$70.8M
-80.4%
Total Assets
$5.39B
Previous year: $5.01B
+7.6%

James River

James River

James River Revenue by Segment

Forward Guidance

This press release contains forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995.

Revenue & Expenses

Visualization of income flow from segment revenue to net income