Arch Capital Group Ltd. (ACGL)vsCity Holding Company (CHCO)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
CHCO
City Holding Company
$145.21
+0.21%
FINANCIAL SERVICES · Cap: $1.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6087% more annual revenue ($19.78B vs $319.66M). CHCO leads profitability with a 41.3% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CHCO
Buy65
out of 100
Grade: C+
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
Keeps 41 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
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, 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 : CHCO
The strongest argument for CHCO centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 41.3% and operating margin at 50.9%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CHCO
The primary concerns for CHCO are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CHCO is a mature play — different risk/reward profiles.
CHCO carries more volatility with a beta of 0.48 — expect wider price swings.
CHCO is growing revenue faster at 5.5% — 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 65/100), backed by strong 24.6% margins. Both earn "Strong 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.
City Holding Company
FINANCIAL SERVICES · BANKS - REGIONAL · USA
City Holding Company is a holding company for City National Bank of West Virginia offering various banking, trust and investment solutions, and other financial solutions in the United States. The company is headquartered in Charleston, West Virginia.
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