Arch Capital Group Ltd (ACGL)vsCapitol Federal Financial Inc (CFFN)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
CFFN
Capitol Federal Financial Inc
$7.68
+1.79%
FINANCIAL SERVICES · Cap: $978.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 9402% more annual revenue ($19.93B vs $209.74M). CFFN leads profitability with a 34.8% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
CFFN
Strong Buy72
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
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
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 47.3%
Attractively priced relative to earnings
Revenue surging 20.4% year-over-year
Earnings expanding 32.6% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 7.0% — below average capital efficiency
Elevated debt levels
Expensive relative to growth rate
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 : CFFN
The strongest argument for CFFN centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.8% and operating margin at 47.3%. Revenue growth of 20.4% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : CFFN
The primary concerns for CFFN are Market Cap, Return on Equity, Debt/Equity. Debt-to-equity of 1.76 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a mature stock while CFFN is a growth play — different risk/reward profiles.
CFFN carries more volatility with a beta of 0.65 — expect wider price swings.
CFFN is growing revenue faster at 20.4% — 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 72/100), backed by strong 22.1% margins. 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.
Capitol Federal Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Capitol Federal Financial, Inc. is the holding company for Capitol Federal Savings Bank offering various retail banking products and services in the United States. The company is headquartered in Topeka, Kansas.
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