Arch Capital Group Ltd. (ACGL)vsEZCORP Inc (EZPW)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
EZPW
EZCORP Inc
$32.47
0.00%
FINANCIAL SERVICES · Cap: $2.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1114% more annual revenue ($19.23B vs $1.58B). ACGL leads profitability with a 24.4% profit margin vs 10.0%. EZPW appears more attractively valued with a PEG of 0.28. EZPW earns a higher WallStSmart Score of 76/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
EZPW
Strong Buy76
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
Growing faster than its price suggests
Revenue surging 34.7% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 41.2% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
No major concerns identified
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 : EZPW
The strongest argument for EZPW centers on PEG Ratio, Revenue Growth, P/E Ratio. Revenue growth of 34.7% demonstrates continued momentum. PEG of 0.28 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 : EZPW
No major red flags identified for EZPW, but monitor valuation.
Key Dynamics to Monitor
ACGL profiles as a declining stock while EZPW is a hypergrowth play — different risk/reward profiles.
EZPW carries more volatility with a beta of 0.64 — expect wider price swings.
EZPW is growing revenue faster at 34.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
EZPW scores higher overall (76/100 vs 67/100) and 34.7% 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.
EZCORP Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
EZCORP, Inc. offers pawn loans in the United States and Latin America. The company is headquartered in Austin, Texas.
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