Arch Capital Group Ltd. (ACGL)vsEsquire Financial Holdings Inc (ESQ)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
ESQ
Esquire Financial Holdings Inc
$109.89
+1.33%
FINANCIAL SERVICES · Cap: $933.84M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 13790% more annual revenue ($19.78B vs $142.38M). ESQ leads profitability with a 36.3% profit margin vs 24.6%. 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+
ESQ
Buy58
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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 49.5%
Reasonable price relative to book value
17.0% revenue growth
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 : ESQ
The strongest argument for ESQ centers on Profit Margin, Operating Margin, Price/Book. Profitability is solid with margins at 36.3% and operating margin at 49.5%. Revenue growth of 17.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : ESQ
The primary concerns for ESQ are Market Cap, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while ESQ is a growth play — different risk/reward profiles.
ESQ carries more volatility with a beta of 0.40 — expect wider price swings.
ESQ is growing revenue faster at 17.0% — 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 58/100), 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.
Esquire Financial Holdings Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Esquire Financial Holdings, Inc. is the banking holding company for Esquire Bank, the National Association that provides commercial banking products and services to the legal industry and small businesses, and commercial and retail customers in the United States. The company is headquartered in Jericho, New York.
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