Arch Capital Group Ltd. (ACGL)vsCapitol Federal Financial Inc (CFFN)
ACGL
Arch Capital Group Ltd.
$96.89
+0.20%
FINANCIAL SERVICES · Cap: $33.06B
CFFN
Capitol Federal Financial Inc
$8.90
+0.79%
FINANCIAL SERVICES · Cap: $1.09B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8422% more annual revenue ($19.23B vs $225.68M). CFFN leads profitability with a 36.7% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. CFFN earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CFFN
Strong Buy67
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 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Attractively priced relative to earnings
18.3% revenue growth
Earnings expanding 35.6% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.6% — 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 24.4% and operating margin at 26.6%. 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 36.7% and operating margin at 50.1%. Revenue growth of 18.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CFFN
The primary concerns for CFFN are Market Cap, Return on Equity, Debt/Equity. Debt-to-equity of 1.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CFFN is a growth play — different risk/reward profiles.
CFFN carries more volatility with a beta of 0.66 — expect wider price swings.
CFFN is growing revenue faster at 18.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 67/100), backed by strong 24.4% 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.
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.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?