Arch Capital Group Ltd. (ACGL)vsEnterprise Bancorp Inc (EBTC)
ACGL
Arch Capital Group Ltd.
$88.34
-1.29%
FINANCIAL SERVICES · Cap: $32.03B
EBTC
Enterprise Bancorp Inc
$39.64
0.00%
FINANCIAL SERVICES · Cap: $495.83M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 11382% more annual revenue ($19.78B vs $172.24M). ACGL leads profitability with a 24.6% profit margin vs 23.6%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
EBTC
Buy63
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
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
Strong operational efficiency at 33.9%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 21.3% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : EBTC
The strongest argument for EBTC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 23.6% and operating margin at 33.9%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : EBTC
The primary concerns for EBTC are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while EBTC is a mature play — different risk/reward profiles.
EBTC carries more volatility with a beta of 0.73 — expect wider price swings.
EBTC is growing revenue faster at 8.7% — 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 63/100), 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.
Enterprise Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Enterprise Bancorp, Inc. is a Massachusetts corporation that conducts substantially all of its operations through Enterprise Bank and Trust Company, commonly known as Enterprise Bank, and has reported 126 consecutive profitable quarters.
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