Arch Capital Group Ltd. (ACGL)vsEssent Group Ltd (ESNT)
ACGL
Arch Capital Group Ltd.
$99.52
-1.58%
FINANCIAL SERVICES · Cap: $34.28B
ESNT
Essent Group Ltd
$66.67
-0.09%
FINANCIAL SERVICES · Cap: $6.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1403% more annual revenue ($19.23B vs $1.28B). ESNT leads profitability with a 53.6% profit margin vs 24.4%. ESNT appears more attractively valued with a PEG of 0.84. ESNT earns a higher WallStSmart Score of 71/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
ESNT
Strong Buy71
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 63.7%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. 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 : ESNT
The strongest argument for ESNT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 53.6% and operating margin at 63.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while ESNT is a mature play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.76 — expect wider price swings.
ESNT is growing revenue faster at 5.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (71/100 vs 67/100), backed by strong 53.6% margins. 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.
Essent Group Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Essent Group Ltd., provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company is headquartered in Hamilton, Bermuda.
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