WallStSmart

Arch Capital Group Ltd. (ACGL)vsCorebridge Financial Inc. (CRBG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 6% more annual revenue ($19.78B vs $18.69B). ACGL leads profitability with a 24.6% profit margin vs 1.3%. ACGL trades at a lower P/E of 7.0x. 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

CRBG

Hold

46

out of 100

Grade: D+

Growth: 4.7Profit: 4.5Value: 4.0Quality: 4.3
Piotroski: 5/9Altman Z: 0.22

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
1.4x10/10

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

CRBG1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

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

CRBG4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.1%4/10

2.1% revenue growth

Return on EquityProfitability
2.3%3/10

ROE of 2.3% — below average capital efficiency

Profit MarginProfitability
1.3%3/10

1.3% margin — thin

Debt/EquityHealth
1.013/10

Elevated debt levels

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 : CRBG

The strongest argument for CRBG centers on Price/Book.

Bear Case : ACGL

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

Bear Case : CRBG

The primary concerns for CRBG are Revenue Growth, Return on Equity, Profit Margin. A P/E of 71.8x leaves little room for execution misses. Thin 1.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CRBG carries more volatility with a beta of 1.07 — expect wider price swings.

CRBG is growing revenue faster at 2.1% — 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 46/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Hold" 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.

Corebridge Financial Inc.

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Corebridge Financial, Inc. offers retirement solutions and insurance products in the United States. The company is headquartered in Houston, Texas.

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