Arch Capital Group Ltd. (ACGL)vsThe Baldwin Insurance Group, Inc. (BWIN)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
BWIN
The Baldwin Insurance Group, Inc.
$19.88
+3.33%
FINANCIAL SERVICES · Cap: $1.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1118% more annual revenue ($19.78B vs $1.62B). ACGL leads profitability with a 24.6% profit margin vs -2.8%. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
BWIN
Hold39
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
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
Reasonable price relative to book value
Revenue surging 28.7% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
ROE of -4.7% — below average capital efficiency
Earnings declined 90.0%
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 : BWIN
The strongest argument for BWIN centers on Price/Book, Revenue Growth. Revenue growth of 28.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : BWIN
The primary concerns for BWIN are Market Cap, Piotroski F-Score, Return on Equity. Debt-to-equity of 2.67 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while BWIN is a growth play — different risk/reward profiles.
BWIN carries more volatility with a beta of 1.15 — expect wider price swings.
BWIN is growing revenue faster at 28.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 39/100), backed by strong 24.6% margins. Both earn "Strong 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.
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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