WallStSmart

Arch Capital Group Ltd (ACGL)vsArch Capital Group Ltd (ACGLN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 0% more annual revenue ($19.78B vs $19.78B). ACGLN leads profitability with a 24.6% profit margin vs 24.6%. ACGLN trades at a lower P/E of 3.7x. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

ACGLN

Buy

50

out of 100

Grade: C-

Growth: 7.3Profit: 8.0Value: 6.7Quality: 6.5
Piotroski: 6/9Altman Z: 1.48

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
21.3%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

ACGLN6 strengths · Avg: 9.5/10
P/E RatioValuation
3.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
21.3%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Areas to Watch

ACGL1 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

ACGLN2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : ACGLN

The strongest argument for ACGLN centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth.

Bear Case : ACGLN

The primary concerns for ACGLN are Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

ACGL carries more volatility with a beta of 0.38 — expect wider price swings.

ACGLN is growing revenue faster at -3.3% — sustainability is the question.

ACGLN generates stronger free cash flow (1.2B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ACGL scores higher overall (79/100 vs 50/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Arch Capital Group Ltd

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Arch Capital Group Ltd., offers insurance, reinsurance and mortgage products worldwide. The company is headquartered in Pembroke, Bermuda.

Arch Capital Group Ltd

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Arch Capital Group Ltd. (ACGLN) is a prominent global insurer and reinsurer specializing in property, casualty, and mortgage insurance across North America, Europe, and Asia. The company is distinguished by its disciplined underwriting practices and innovative risk management strategies, which support its diverse portfolio and enhance its ability to adapt to market dynamics. With a strong capital position and a commitment to operational excellence, Arch Capital is positioned to effectively meet the evolving demands of its clients while delivering consistent shareholder value. Additionally, the firm’s strategic investments in technology and data analytics strengthen its competitive advantage in a rapidly transforming insurance landscape.

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