Arch Capital Group Ltd. (ACGL)vsFirst BanCorp. (FBP)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FBP
First BanCorp.
$27.69
-0.18%
FINANCIAL SERVICES · Cap: $4.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1915% more annual revenue ($19.23B vs $954.21M). FBP leads profitability with a 39.0% profit margin vs 24.4%. 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-
FBP
Strong Buy66
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
Attractively priced relative to earnings
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 49.1%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 24.4% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
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 : FBP
The strongest argument for FBP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 39.0% and operating margin at 49.1%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FBP
The primary concerns for FBP are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FBP is a mature play — different risk/reward profiles.
FBP carries more volatility with a beta of 0.79 — expect wider price swings.
FBP is growing revenue faster at 9.4% — 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 66/100), backed by strong 24.4% 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.
First BanCorp.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First BanCorp. The company is headquartered in Santurce, Puerto Rico.
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