Arch Capital Group Ltd. (ACGL)vsGrupo Cibest S.A. (CIB)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
CIB
Grupo Cibest S.A.
$102.04
-1.05%
FINANCIAL SERVICES · Cap: $23.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Cibest S.A. generates 128405% more annual revenue ($24.71T vs $19.23B). ACGL leads profitability with a 24.4% profit margin vs 17.6%. CIB appears more attractively valued with a PEG of 0.43. CIB earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
CIB
Strong Buy74
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 53.2% YoY
Generating 7.3T in free cash flow
Every $100 of equity generates 21 in profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Operating margin of 0.0%
Distress zone — elevated risk
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 : CIB
The strongest argument for CIB centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 17.6%. Revenue growth of 26.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CIB
The primary concerns for CIB are Operating Margin, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CIB is a growth play — different risk/reward profiles.
CIB carries more volatility with a beta of 0.42 — expect wider price swings.
CIB is growing revenue faster at 26.0% — sustainability is the question.
CIB generates stronger free cash flow (7.3T), providing more financial flexibility.
Bottom Line
CIB scores higher overall (74/100 vs 67/100), backed by strong 17.6% margins and 26.0% revenue growth. 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.
Grupo Cibest S.A.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bancolombia SA offers various banking products and services to individual and corporate clients in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica and Guatemala. The company is headquartered in Medelln, Colombia.
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