Arch Capital Group Ltd (ACGL)vsFirstCash Inc (FCFS)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FCFS
FirstCash Inc
$215.67
+0.75%
FINANCIAL SERVICES · Cap: $9.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 414% more annual revenue ($19.93B vs $3.88B). ACGL leads profitability with a 22.1% profit margin vs 9.2%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
FCFS
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Revenue surging 25.7% year-over-year
Earnings expanding 29.9% YoY
Areas to Watch
No major concerns identified
Moderate valuation
Elevated debt levels
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FCFS
The strongest argument for FCFS centers on Revenue Growth, EPS Growth. Revenue growth of 25.7% demonstrates continued momentum. PEG of 1.17 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FCFS
The primary concerns for FCFS are P/E Ratio, Debt/Equity.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FCFS is a growth play — different risk/reward profiles.
FCFS carries more volatility with a beta of 0.47 — expect wider price swings.
FCFS is growing revenue faster at 25.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 66/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
FirstCash Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
FirstCash, Inc., operates retail pawn shops in the United States and Latin America. The company is headquartered in Fort Worth, Texas.
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