Arch Capital Group Ltd. (ACGL)vsCapital One Financial Corporation (COF)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
COF
Capital One Financial Corporation
$201.87
-0.97%
FINANCIAL SERVICES · Cap: $125.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 154% more annual revenue ($48.89B vs $19.23B). ACGL leads profitability with a 24.4% profit margin vs 22.2%. COF appears more attractively valued with a PEG of 0.18. COF earns a higher WallStSmart Score of 75/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
COF
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.7B in free cash flow
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.2% and operating margin at 37.8%. PEG of 0.18 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while COF is a mature play — different risk/reward profiles.
COF carries more volatility with a beta of 1.04 — expect wider price swings.
COF is growing revenue faster at 6.2% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 67/100), backed by strong 22.2% margins. 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.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
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