Arch Capital Group Ltd. (ACGL)vsCVB Financial Corporation (CVBF)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
CVBF
CVB Financial Corporation
$22.67
-0.70%
FINANCIAL SERVICES · Cap: $3.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3708% more annual revenue ($19.78B vs $519.40M). CVBF leads profitability with a 40.3% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CVBF
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Reasonable price relative to book value
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 54.6%
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
0.3% revenue growth
4.4% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : CVBF
The strongest argument for CVBF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 40.3% and operating margin at 54.6%. PEG of 1.47 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 : CVBF
The primary concerns for CVBF are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CVBF is a value play — different risk/reward profiles.
CVBF carries more volatility with a beta of 0.65 — expect wider price swings.
CVBF is growing revenue faster at 0.3% — 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 61/100), 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.
CVB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CVB Financial Corp. The company is headquartered in Ontario, California.
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