WallStSmart

Arch Capital Group Ltd (ACGL)vsCaliberCos Inc. Class A Common Stock (CWD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 98308% more annual revenue ($19.78B vs $20.10M). ACGL leads profitability with a 24.6% profit margin vs -108.5%. 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: 6.5
Piotroski: 5/9

CWD

Avoid

21

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 2.5
Piotroski: 3/9Altman Z: -0.89

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.2x10/10

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
21.3%9/10

Every $100 of equity generates 21 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

CWD0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

ACGL1 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

CWD4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$5.64M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-122.9%2/10

ROE of -122.9% — below average capital efficiency

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 : CWD

CWD has a balanced fundamental profile.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth.

Bear Case : CWD

The primary concerns for CWD are EPS Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 8.49 is elevated, increasing financial risk.

Key Dynamics to Monitor

ACGL profiles as a declining stock while CWD is a turnaround play — different risk/reward profiles.

ACGL carries more volatility with a beta of 0.38 — expect wider price swings.

ACGL is growing revenue faster at -3.3% — 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 21/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Avoid" 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.

CaliberCos Inc. Class A Common Stock

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

CaliberCos Inc. (CWD) is a leading diversified real estate investment firm specializing in the development, management, and investment of both commercial and residential properties throughout the United States. With a robust network of subsidiaries and extensive industry expertise, the company is committed to generating superior investor returns through innovative strategies that emphasize sustainability and community engagement. CaliberCos positions itself for sustainable long-term growth by cultivating strategic partnerships and maintaining exemplary asset management practices, which empower it to effectively respond to market dynamics and shifting consumer preferences in the real estate landscape.

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