WallStSmart

Arch Capital Group Ltd. (ACGL)vsCentral Pacific Financial Corp (CPF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 6573% more annual revenue ($19.23B vs $288.19M). CPF leads profitability with a 28.8% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. CPF earns a higher WallStSmart Score of 70/100 (B-).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

CPF

Strong Buy

70

out of 100

Grade: B-

Growth: 6.7Profit: 7.5Value: 5.7Quality: 5.5
Piotroski: 6/9Altman Z: -0.74

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

CPF5 strengths · Avg: 8.8/10
Operating MarginProfitability
36.8%10/10

Strong operational efficiency at 36.8%

Profit MarginProfitability
28.8%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

CPF3 concerns · Avg: 3.0/10
PEG RatioValuation
1.974/10

Expensive relative to growth rate

Market CapQuality
$974.02M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.742/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : CPF

The strongest argument for CPF centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.8% and operating margin at 36.8%.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : CPF

The primary concerns for CPF are PEG Ratio, Market Cap, Altman Z-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while CPF is a mature play — different risk/reward profiles.

CPF carries more volatility with a beta of 0.83 — expect wider price swings.

CPF is growing revenue faster at 7.7% — sustainability is the question.

ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

CPF scores higher overall (70/100 vs 67/100), backed by strong 28.8% 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.

Central Pacific Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.

Want to dig deeper into these stocks?