Arch Capital Group Ltd. (ACGL)vsEnova International Inc (ENVA)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
ENVA
Enova International Inc
$223.48
+0.19%
FINANCIAL SERVICES · Cap: $5.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1037% more annual revenue ($19.23B vs $1.69B). ACGL leads profitability with a 24.4% profit margin vs 21.0%. ACGL trades at a lower P/E of 7.7x. ENVA earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
ENVA
Strong Buy73
out of 100
Grade: B
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
Revenue surging 31.1% year-over-year
Every $100 of equity generates 23 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.9%
Earnings expanding 39.9% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
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 : ENVA
The strongest argument for ENVA centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 21.0% and operating margin at 29.9%. Revenue growth of 31.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.37 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while ENVA is a growth play — different risk/reward profiles.
ENVA carries more volatility with a beta of 1.21 — expect wider price swings.
ENVA is growing revenue faster at 31.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (73/100 vs 67/100), backed by strong 21.0% margins and 31.1% revenue growth. Both earn "Strong Buy" and "Strong 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.
Enova International Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Enova International, Inc., a technology and analytics company, offers online financial services in the United States, Brazil, Australia, and Canada. The company is headquartered in Chicago, Illinois.
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