Arch Capital Group Ltd. (ACGL)vsCitizens Inc (CIA)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
CIA
Citizens Inc
$5.18
+1.17%
FINANCIAL SERVICES · Cap: $261.87M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7516% more annual revenue ($19.78B vs $259.68M). ACGL leads profitability with a 24.6% profit margin vs 7.1%. 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+
CIA
Buy55
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
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
Earnings expanding 99.5% YoY
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
7.1% margin — thin
Operating margin of 4.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. 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 : CIA
The strongest argument for CIA centers on Price/Book, EPS Growth, P/E Ratio. PEG of 1.21 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CIA
The primary concerns for CIA are Market Cap, Return on Equity, Profit Margin.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CIA is a value play — different risk/reward profiles.
CIA carries more volatility with a beta of 0.47 — expect wider price swings.
CIA is growing revenue faster at 7.3% — 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 55/100), 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.
Citizens Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Citizens, Inc., offers life insurance products in the United States and internationally. The company is headquartered in Austin, Texas.
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