WallStSmart

Arch Capital Group Ltd (ACGL)vsCorVel Corp (CRVL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 2017% more annual revenue ($19.93B vs $941.49M). ACGL leads profitability with a 22.1% profit margin vs 11.2%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

CRVL

Hold

45

out of 100

Grade: D+

Growth: 5.3Profit: 7.5Value: 5.3Quality: 8.0
Piotroski: 5/9Altman Z: 5.95

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

CRVL3 strengths · Avg: 9.7/10
Return on EquityProfitability
31.3%10/10

Every $100 of equity generates 31 in profit

Altman Z-ScoreHealth
5.9510/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

CRVL3 concerns · Avg: 4.0/10
P/E RatioValuation
28.5x4/10

Moderate valuation

Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

EPS GrowthGrowth
2.2%4/10

2.2% earnings growth

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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : CRVL

The strongest argument for CRVL centers on Return on Equity, Altman Z-Score, Debt/Equity.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : CRVL

The primary concerns for CRVL are P/E Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

ACGL profiles as a mature stock while CRVL is a value play — different risk/reward profiles.

CRVL carries more volatility with a beta of 1.05 — expect wider price swings.

ACGL is growing revenue faster at 8.5% — sustainability is the question.

ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.

Bottom Line

ACGL scores higher overall (81/100 vs 45/100), backed by strong 22.1% margins. Both earn "Exceptional 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.

CorVel Corp

FINANCIAL SERVICES · INSURANCE BROKERS · USA

CorVel Corporation provides workers' compensation, auto, liability and health solutions for employers, outside administrators, insurance companies, and government agencies to help them manage medical costs and monitor the quality of care associated with health care claims. The company is headquartered in Fort Worth, Texas.

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