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Visual22 Oct 2025
Epiroc's cash spent on M&A
James River Group Holdings (JRVR) investor relations material
James River Group Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary5 Aug, 2025
Executive summary
Achieved $11.7M adjusted net operating income in Q2 2025, with a 14% annualized adjusted net operating return on tangible common equity and tangible common equity up 12.8% year-to-date.
E&S segment surpassed $300M in gross written premiums for the first time, up 3% year-over-year, with a combined ratio of 91.7% and strong renewal rate increases.
Strategic focus on portfolio repositioning, risk management, operational efficiency, and technology-driven underwriting improvements drove profitability.
Leadership changes and organizational restructuring completed, including new board and executive appointments to enhance agility and accountability.
Planned redomicile to the U.S. expected to yield significant cost savings and tax benefits.
Financial highlights
Net income from continuing operations was $3.2M–$5.1M; adjusted net operating income was $11.7M ($0.23 per share).
Gross written premiums were $378.0M, down 8% year-over-year; net written premiums were $176.0M, down 3%.
Net investment income was $20.5M, with portfolio yield at 5.6% on new investments; net investment income declined year-over-year.
Tangible common book value per share increased to $7.49 in Q2, up 5.3% from prior quarter.
Group combined ratio was 98.6% (loss ratio 68.1%, expense ratio 30.5%); E&S segment combined ratio improved to 91.7%.
Outlook and guidance
Expense ratio expected to decline to around 31% for the full year, with further reductions possible in 2026.
E&S premium retention projected to rise from 55% to nearly 60% as new reinsurance treaty takes effect.
Redomicile to the U.S. anticipated by year-end, bringing a one-time $10M–$13M benefit and ongoing $3M–$6M annual savings from lower tax rate.
Continued focus on measured, profitable growth, disciplined underwriting, and operational efficiency in the second half of 2025.
Specialty Admitted segment to be managed opportunistically, retaining minimal risk in current market.
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Next James River Group Holdings earnings date
Q3 20254 Nov, 2025
Next James River Group Holdings earnings date
Q3 20254 Nov, 2025
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Frequently asked questions
James River Group Holdings, Ltd. is a holding company that, through its subsidiaries, operates as a specialty insurer and reinsurer. The company focuses on providing a range of insurance products, including excess and surplus lines, which cater to risks that are often complex or unusual, and standard insurance lines through both primary and reinsurance channels. The sectors served include small and medium-sized enterprises across various industries, such as construction, manufacturing, healthcare, and hospitality. The company is headquartered in Hamilton, Bermuda, and its shares are listed on the NASDAQ.
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