Arch Capital Group Ltd. (ACGL)vsCarter Bank and Trust (CARE)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
CARE
Carter Bank and Trust
$28.54
+0.49%
FINANCIAL SERVICES · Cap: $631.11M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7538% more annual revenue ($19.78B vs $258.92M). CARE leads profitability with a 41.8% profit margin vs 24.6%. CARE trades at a lower P/E of 5.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CARE
Strong Buy76
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 79.1%
Revenue surging 260.0% year-over-year
Earnings expanding 901.0% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
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 : CARE
The strongest argument for CARE centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 41.8% and operating margin at 79.1%. Revenue growth of 260.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CARE
The primary concerns for CARE are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CARE is a growth play — different risk/reward profiles.
CARE carries more volatility with a beta of 0.51 — expect wider price swings.
CARE is growing revenue faster at 260.0% — 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 76/100), 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.
Carter Bank and Trust
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Carter Bankshares, Inc. is the banking holding company for Carter Bank & Trust offering a variety of banking products and services. The company is headquartered in Martinsville, Virginia.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?