Arch Capital Group Ltd (ACGL)vsAegon NV ADR (AEG)
ACGL
Arch Capital Group Ltd
$93.32
-0.30%
FINANCIAL SERVICES · Cap: $33.94B
AEG
Aegon NV ADR
$7.07
+1.58%
FINANCIAL SERVICES · Cap: $10.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 429% more annual revenue ($19.93B vs $3.77B). AEG leads profitability with a 26.0% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
AEG
Hold47
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.8%
Fair Value
$542.88
Current Price
$93.32
$449.56 discount
Margin of Safety
-27.9%
Fair Value
$6.12
Current Price
$7.07
$0.95 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 26 of every $100 in revenue as profit
Areas to Watch
No major concerns identified
3.5% revenue growth
Expensive relative to growth rate
Earnings declined 46.2%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : AEG
The strongest argument for AEG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 26.0% and operating margin at -25.3%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : AEG
The primary concerns for AEG are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while AEG is a value play — different risk/reward profiles.
AEG carries more volatility with a beta of 0.60 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 47/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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.
Aegon NV ADR
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Aegon NV offers a range of financial services in the Americas, Europe and Asia. The company is headquartered in The Hague, the Netherlands.
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