Arch Capital Group Ltd. (ACGL)vsErie Indemnity Company (ERIE)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
ERIE
Erie Indemnity Company
$245.03
+1.93%
FINANCIAL SERVICES · Cap: $13.22B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 367% more annual revenue ($19.23B vs $4.12B). ACGL leads profitability with a 24.4% profit margin vs 14.0%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
ERIE
Buy50
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
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Every $100 of equity generates 23 in profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
2.8% revenue growth
3.2% earnings growth
Weak financial health signals
Expensive relative to growth rate
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 : ERIE
The strongest argument for ERIE centers on Debt/Equity, Altman Z-Score, Return on Equity.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ERIE
The primary concerns for ERIE are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while ERIE is a value play — different risk/reward profiles.
ERIE carries more volatility with a beta of 0.30 — expect wider price swings.
ERIE is growing revenue faster at 2.8% — 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 50/100), 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.
Erie Indemnity Company
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Erie Indemnity Company is an administrative agent for underwriters on the Erie Insurance Exchange in the United States. The company is headquartered in Erie, Pennsylvania.
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