WallStSmart

Arch Capital Group Ltd. (ACGL)vsGrupo Cibest S.A. (CIB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Grupo Cibest S.A. generates 124864% more annual revenue ($24.71T vs $19.78B). ACGL leads profitability with a 24.6% profit margin vs 14.7%. CIB appears more attractively valued with a PEG of 0.43. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

CIB

Buy

60

out of 100

Grade: C

Growth: 4.7Profit: 5.5Value: 8.3Quality: 5.3
Piotroski: 6/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

CIB4 strengths · Avg: 10.0/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$368.41B10/10

Generating 368.4B in free cash flow

Areas to Watch

ACGL2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

CIB2 concerns · Avg: 2.5/10
Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

EPS GrowthGrowth
-15.0%2/10

Earnings declined 15.0%

Comparative Analysis Report

WallStSmart Research

Bull 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 : CIB

The strongest argument for CIB centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.8% demonstrates continued momentum. PEG of 0.43 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 : CIB

The primary concerns for CIB are Operating Margin, EPS Growth.

Key Dynamics to Monitor

ACGL profiles as a declining stock while CIB is a value play — different risk/reward profiles.

CIB carries more volatility with a beta of 0.47 — expect wider price swings.

CIB is growing revenue faster at 10.8% — sustainability is the question.

CIB generates stronger free cash flow (368.4B), providing more financial flexibility.

Bottom Line

ACGL scores higher overall (79/100 vs 60/100), 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.

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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