Arch Capital Group Ltd. (ACGL)vsEastern Bankshares Inc (EBC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
EBC
Eastern Bankshares Inc
$21.60
-0.30%
FINANCIAL SERVICES · Cap: $4.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1651% more annual revenue ($19.23B vs $1.10B). EBC leads profitability with a 34.3% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
EBC
Buy59
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 50.1%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Revenue surging 27.6% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Weak financial health signals
Earnings declined 4.0%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : EBC
The strongest argument for EBC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 34.3% and operating margin at 50.1%. Revenue growth of 27.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : EBC
The primary concerns for EBC are Piotroski F-Score, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while EBC is a growth play — different risk/reward profiles.
EBC carries more volatility with a beta of 0.67 — expect wider price swings.
EBC is growing revenue faster at 27.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 59/100), backed by strong 24.4% 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.
Eastern Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Eastern Bankshares, Inc. is the banking holding company for Eastern Bank offering commercial banking products and services primarily to retail, commercial and small business clients. The company is headquartered in Boston, Massachusetts.
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