Arch Capital Group Ltd. (ACGL)vsBanco Santander Brasil SA ADR (BSBR)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
BSBR
Banco Santander Brasil SA ADR
$5.24
-2.06%
FINANCIAL SERVICES · Cap: $39.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Santander Brasil SA ADR generates 131% more annual revenue ($45.72B vs $19.78B). BSBR leads profitability with a 28.2% profit margin vs 24.6%. BSBR appears more attractively valued with a PEG of 0.42. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
BSBR
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 43.0%
Generating 38.9B in free cash flow
Every $100 of equity generates 23 in profit
Keeps 28 of every $100 in revenue as profit
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
0.4% revenue growth
3.3% earnings growth
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull 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 : BSBR
The strongest argument for BSBR centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.2% and operating margin at 43.0%. PEG of 0.42 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : BSBR
The primary concerns for BSBR are Revenue Growth, EPS Growth, Debt/Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while BSBR is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.31 — expect wider price swings.
BSBR is growing revenue faster at 0.4% — sustainability is the question.
BSBR generates stronger free cash flow (38.9B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 70/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Strong 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.
Banco Santander Brasil SA ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Santander (Brasil) SA offers various banking products and services to individuals, small and medium-sized companies and corporate clients in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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