Arch Capital Group Ltd. (ACGL)vsCarver Bancorp Inc (CARV)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
CARV
Carver Bancorp Inc
$1.60
-8.57%
FINANCIAL SERVICES · Cap: $8.94M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 88546% more annual revenue ($19.78B vs $22.31M). ACGL leads profitability with a 24.6% profit margin vs -58.4%. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CARV
Avoid30
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
4.5% revenue growth
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -39.0% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : CARV
The strongest argument for CARV centers on Price/Book.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CARV
The primary concerns for CARV are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CARV is a turnaround play — different risk/reward profiles.
CARV carries more volatility with a beta of 1.56 — expect wider price swings.
CARV is growing revenue faster at 4.5% — 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 30/100), backed by strong 24.6% margins. Both earn "Strong 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.
Carver Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Carver Bancorp, Inc. is the parent company of Carver Federal Savings Bank, a federally licensed savings bank that provides commercial and consumer banking services to consumers, businesses, and government and quasi-government agencies primarily in New York. The company is headquartered in New York, New York.
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