James River Group Holdings, Ltd. (NASDAQ: JRVR) Stock Competitors & Peer Comparison
See JRVR's competitors and their performance on the NASDAQ and across the wider stock market.
Peer Comparison Table: Insurance - Specialty Industry
Detailed financial metrics including price, market cap, P/E ratio, and more for JRVR and its NASDAQ peers.
| Symbol | Price | Change % | Market Cap | P/E Ratio | EPS | Dividend Yield |
|---|---|---|---|---|---|---|
| JRVR | $4.71 | +4.20% | 217.8M | 4.86 | $0.97 | +0.85% |
| HIPO-WT | $0.62 | -6.37% | 55.2B | N/A | N/A | N/A |
| FNF | $51.62 | +6.19% | 13.9B | 10.18 | $5.07 | +3.98% |
| AIZ | $276.94 | +1.15% | 13.7B | 12.11 | $22.85 | +1.25% |
| FAF | $75.13 | +8.95% | 7.7B | 11.68 | $6.43 | +2.92% |
| MTG | $29.65 | +2.38% | 6.3B | 9.39 | $3.16 | +2.03% |
| ESNT | $65.75 | +2.06% | 6.1B | 9.37 | $7.02 | +2.02% |
| RYAN | $41.75 | +4.43% | 5.4B | 20.37 | $2.05 | +1.20% |
| RDN | $38.68 | +1.36% | 5.1B | 8.42 | $4.59 | +2.64% |
| AGO | $85.36 | +1.39% | 3.8B | 10.35 | $8.25 | +1.68% |
Stock Comparison
Hippo Holdings Inc. WT (NYSE: HIPO-WT)
JRVR vs HIPO-WT Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, HIPO-WT has a market cap of 55.2B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while HIPO-WT trades at $0.62.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas HIPO-WT's P/E ratio is N/A. In terms of profitability, JRVR's ROE is +0.04%, compared to HIPO-WT's ROE of +0.27%. Regarding short-term risk, JRVR is less volatile compared to HIPO-WT. This indicates lower risk in terms of short-term price fluctuations for JRVR.Check HIPO-WT's competition here
Fidelity National Financial, Inc. (NYSE: FNF)
JRVR vs FNF Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, FNF has a market cap of 13.9B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while FNF trades at $51.62.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas FNF's P/E ratio is 10.18. In terms of profitability, JRVR's ROE is +0.04%, compared to FNF's ROE of +0.10%. Regarding short-term risk, JRVR is less volatile compared to FNF. This indicates lower risk in terms of short-term price fluctuations for JRVR.Check FNF's competition here
Assurant, Inc. (NYSE: AIZ)
JRVR vs AIZ Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, AIZ has a market cap of 13.7B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while AIZ trades at $276.94.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas AIZ's P/E ratio is 12.11. In terms of profitability, JRVR's ROE is +0.04%, compared to AIZ's ROE of +0.17%. Regarding short-term risk, JRVR is more volatile compared to AIZ. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check AIZ's competition here
First American Financial Corporation (NYSE: FAF)
JRVR vs FAF Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, FAF has a market cap of 7.7B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while FAF trades at $75.13.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas FAF's P/E ratio is 11.68. In terms of profitability, JRVR's ROE is +0.04%, compared to FAF's ROE of +0.14%. Regarding short-term risk, JRVR is less volatile compared to FAF. This indicates lower risk in terms of short-term price fluctuations for JRVR.Check FAF's competition here
MGIC Investment Corporation (NYSE: MTG)
JRVR vs MTG Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, MTG has a market cap of 6.3B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while MTG trades at $29.65.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas MTG's P/E ratio is 9.39. In terms of profitability, JRVR's ROE is +0.04%, compared to MTG's ROE of +0.14%. Regarding short-term risk, JRVR is more volatile compared to MTG. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check MTG's competition here
Essent Group Ltd. (NYSE: ESNT)
JRVR vs ESNT Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, ESNT has a market cap of 6.1B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while ESNT trades at $65.75.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas ESNT's P/E ratio is 9.37. In terms of profitability, JRVR's ROE is +0.04%, compared to ESNT's ROE of +0.12%. Regarding short-term risk, JRVR is more volatile compared to ESNT. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check ESNT's competition here
Ryan Specialty Holdings, Inc. (NYSE: RYAN)
JRVR vs RYAN Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, RYAN has a market cap of 5.4B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while RYAN trades at $41.75.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas RYAN's P/E ratio is 20.37. In terms of profitability, JRVR's ROE is +0.04%, compared to RYAN's ROE of +0.21%. Regarding short-term risk, JRVR is less volatile compared to RYAN. This indicates lower risk in terms of short-term price fluctuations for JRVR.Check RYAN's competition here
Radian Group Inc. (NYSE: RDN)
JRVR vs RDN Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, RDN has a market cap of 5.1B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while RDN trades at $38.68.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas RDN's P/E ratio is 8.42. In terms of profitability, JRVR's ROE is +0.04%, compared to RDN's ROE of +0.12%. Regarding short-term risk, JRVR is more volatile compared to RDN. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check RDN's competition here
Assured Guaranty Ltd. (NYSE: AGO)
JRVR vs AGO Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, AGO has a market cap of 3.8B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while AGO trades at $85.36.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas AGO's P/E ratio is 10.35. In terms of profitability, JRVR's ROE is +0.04%, compared to AGO's ROE of +0.07%. Regarding short-term risk, JRVR is more volatile compared to AGO. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check AGO's competition here
NMI Holdings, Inc. (NASDAQ: NMIH)
JRVR vs NMIH Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, NMIH has a market cap of 3.2B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while NMIH trades at $42.75.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas NMIH's P/E ratio is 8.71. In terms of profitability, JRVR's ROE is +0.04%, compared to NMIH's ROE of +0.00%. Regarding short-term risk, JRVR is more volatile compared to NMIH. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check NMIH's competition here
Employers Holdings, Inc. (NYSE: EIG)
JRVR vs EIG Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, EIG has a market cap of 1.1B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while EIG trades at $49.79.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas EIG's P/E ratio is 87.40. In terms of profitability, JRVR's ROE is +0.04%, compared to EIG's ROE of +0.01%. Regarding short-term risk, JRVR is more volatile compared to EIG. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check EIG's competition here
Trupanion, Inc. (NASDAQ: TRUP)
JRVR vs TRUP Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, TRUP has a market cap of 1B. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while TRUP trades at $23.99.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas TRUP's P/E ratio is 40.66. In terms of profitability, JRVR's ROE is +0.04%, compared to TRUP's ROE of +0.07%. Regarding short-term risk, JRVR is more volatile compared to TRUP. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check TRUP's competition here
Hippo Holdings Inc. (NYSE: HIPO)
JRVR vs HIPO Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, HIPO has a market cap of 721.7M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while HIPO trades at $27.76.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas HIPO's P/E ratio is 14.90. In terms of profitability, JRVR's ROE is +0.04%, compared to HIPO's ROE of +0.27%. Regarding short-term risk, JRVR is more volatile compared to HIPO. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check HIPO's competition here
Tiptree Inc. (NASDAQ: TIPT)
JRVR vs TIPT Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, TIPT has a market cap of 668.4M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while TIPT trades at $17.79.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas TIPT's P/E ratio is 20.93. In terms of profitability, JRVR's ROE is +0.04%, compared to TIPT's ROE of +0.09%. Regarding short-term risk, JRVR is more volatile compared to TIPT. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check TIPT's competition here
AMERISAFE, Inc. (NASDAQ: AMSF)
JRVR vs AMSF Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, AMSF has a market cap of 568.8M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while AMSF trades at $30.41.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas AMSF's P/E ratio is 14.55. In terms of profitability, JRVR's ROE is +0.04%, compared to AMSF's ROE of +0.18%. Regarding short-term risk, JRVR is more volatile compared to AMSF. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check AMSF's competition here
Investors Title Company (NASDAQ: ITIC)
JRVR vs ITIC Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, ITIC has a market cap of 533.5M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while ITIC trades at $282.55.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas ITIC's P/E ratio is 14.06. In terms of profitability, JRVR's ROE is +0.04%, compared to ITIC's ROE of +0.14%. Regarding short-term risk, JRVR is more volatile compared to ITIC. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check ITIC's competition here
Ambac Financial Group, Inc. (NYSE: AMBC)
JRVR vs AMBC Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, AMBC has a market cap of 397.4M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while AMBC trades at $8.29.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas AMBC's P/E ratio is -8.46. In terms of profitability, JRVR's ROE is +0.04%, compared to AMBC's ROE of -0.28%. Regarding short-term risk, JRVR is more volatile compared to AMBC. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check AMBC's competition here
MBIA Inc. (NYSE: MBI)
JRVR vs MBI Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, MBI has a market cap of 288M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while MBI trades at $5.66.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas MBI's P/E ratio is -7.85. In terms of profitability, JRVR's ROE is +0.04%, compared to MBI's ROE of +0.07%. Regarding short-term risk, JRVR is less volatile compared to MBI. This indicates lower risk in terms of short-term price fluctuations for JRVR.Check MBI's competition here
Octave Specialty Group, Inc. (NYSE: OSG)
JRVR vs OSG Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, OSG has a market cap of 252.1M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while OSG trades at $5.59.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas OSG's P/E ratio is -70.00. In terms of profitability, JRVR's ROE is +0.04%, compared to OSG's ROE of -0.25%. Regarding short-term risk, JRVR is less volatile compared to OSG. This indicates lower risk in terms of short-term price fluctuations for JRVR.Check OSG's competition here
ICC Holdings, Inc. (NASDAQ: ICCH)
JRVR vs ICCH Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, ICCH has a market cap of 69.6M. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while ICCH trades at $23.49.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas ICCH's P/E ratio is 13.58. In terms of profitability, JRVR's ROE is +0.04%, compared to ICCH's ROE of +0.07%. Regarding short-term risk, JRVR is more volatile compared to ICCH. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check ICCH's competition here
Ambac Financial Group, Inc. (NYSE: AMBC-WT)
JRVR vs AMBC-WT Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, AMBC-WT has a market cap of 0. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while AMBC-WT trades at $0.01.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas AMBC-WT's P/E ratio is N/A. In terms of profitability, JRVR's ROE is +0.04%, compared to AMBC-WT's ROE of -0.25%. Regarding short-term risk, JRVR is less volatile compared to AMBC-WT. This indicates lower risk in terms of short-term price fluctuations for JRVR.Check AMBC-WT's competition here
Trean Insurance Group, Inc. (NASDAQ: TIG)
JRVR vs TIG Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, TIG has a market cap of 0. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while TIG trades at $6.16.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas TIG's P/E ratio is -4.78. In terms of profitability, JRVR's ROE is +0.04%, compared to TIG's ROE of -0.18%. Regarding short-term risk, JRVR is more volatile compared to TIG. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check TIG's competition here
State National Companies, Inc. (NASDAQ: SNC)
JRVR vs SNC Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, SNC has a market cap of 0. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while SNC trades at $21.02.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas SNC's P/E ratio is 16.29. In terms of profitability, JRVR's ROE is +0.04%, compared to SNC's ROE of +0.18%. Regarding short-term risk, JRVR is more volatile compared to SNC. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check SNC's competition here
ProSight Global, Inc. (NYSE: PROS)
JRVR vs PROS Comparison July 2026
James River Group Holdings, Ltd. (NASDAQ: JRVR) plays a significant role within the Financial Services sector. Its performance on the NASDAQ reflects broader market trends and attracts considerable investor interest.
Comparing market capitalization, JRVR stands at 217.8M. In comparison, PROS has a market cap of 0. Regarding current trading prices, JRVR is priced at $4.71 on the NASDAQ, while PROS trades at $12.85.
To assess relative profitability and valuation, we examine the Return on Equity (ROE) and Price-to-Earnings (P/E) ratios.
JRVR currently has a P/E ratio of 4.86, whereas PROS's P/E ratio is 2.03. In terms of profitability, JRVR's ROE is +0.04%, compared to PROS's ROE of +0.04%. Regarding short-term risk, JRVR is more volatile compared to PROS. This indicates higher risk in terms of short-term price fluctuations for JRVR.Check PROS's competition here