Arch Capital Group Ltd. (ACGL)vsBanco Santander Brasil SA ADR (BSBR)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
BSBR
Banco Santander Brasil SA ADR
$6.02
+2.38%
FINANCIAL SERVICES · Cap: $44.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Santander Brasil SA ADR generates 151% more annual revenue ($48.29B vs $19.23B). BSBR leads profitability with a 28.7% profit margin vs 24.4%. BSBR appears more attractively valued with a PEG of 0.42. BSBR earns a higher WallStSmart Score of 84/100 (A-).
ACGL
Strong Buy67
out of 100
Grade: B-
BSBR
Exceptional Buy84
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 33.2%
Generating 16.1B in free cash flow
Every $100 of equity generates 24 in profit
Keeps 29 of every $100 in revenue as profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
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 24.4% and operating margin at 26.6%. 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 28.7% and operating margin at 33.2%. Revenue growth of 28.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : BSBR
The primary concerns for BSBR are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while BSBR is a growth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.28 — expect wider price swings.
BSBR is growing revenue faster at 28.8% — sustainability is the question.
BSBR generates stronger free cash flow (16.1B), providing more financial flexibility.
Bottom Line
BSBR scores higher overall (84/100 vs 67/100), backed by strong 28.7% margins and 28.8% revenue growth. Both earn "Exceptional 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.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?