Arch Capital Group Ltd (ACGL)vsThe Baldwin Insurance Group, Inc. (BWIN)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
BWIN
The Baldwin Insurance Group, Inc.
$22.72
-2.45%
FINANCIAL SERVICES · Cap: $2.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 1224% more annual revenue ($19.93B vs $1.50B). ACGL leads profitability with a 22.1% profit margin vs -2.3%. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
BWIN
Avoid32
out of 100
Grade: F
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
Reasonable price relative to book value
Areas to Watch
No major concerns identified
Weak financial health signals
ROE of -5.2% — below average capital efficiency
Earnings declined 39.4%
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 : BWIN
The strongest argument for BWIN centers on Price/Book.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : BWIN
The primary concerns for BWIN are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.78 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a mature stock while BWIN is a turnaround play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.30 — 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 32/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Avoid" 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.
The Baldwin Insurance Group, Inc.
FINANCIAL SERVICES · INSURANCE BROKERS · USA
The Baldwin Insurance Group, Inc. is an independent insurance distribution firm that delivers insurance and risk management solutions in the United States. The company is headquartered in Tampa, Florida.
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