Arch Capital Group Ltd (ACGL)vsCullen/Frost Bankers Inc (CFR)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
CFR
Cullen/Frost Bankers Inc
$142.80
-0.45%
FINANCIAL SERVICES · Cap: $8.99B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 810% more annual revenue ($19.93B vs $2.19B). CFR leads profitability with a 29.6% 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-
CFR
Buy64
out of 100
Grade: C+
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
Strong operational efficiency at 34.5%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Weak financial health signals
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 : CFR
The strongest argument for CFR centers on Operating Margin, Profit Margin, P/E Ratio. Profitability is solid with margins at 29.6% and operating margin at 34.5%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : CFR
The primary concerns for CFR are PEG Ratio, Piotroski F-Score.
Key Dynamics to Monitor
CFR carries more volatility with a beta of 0.61 — expect wider price swings.
CFR is growing revenue faster at 9.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 64/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "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.
Cullen/Frost Bankers Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Cullen / Frost Bankers, Inc. is the banking holding company for Frost Bank offering commercial and consumer banking services in Texas. The company is headquartered in San Antonio, Texas.
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