Arch Capital Group Ltd. (ACGL)vsFirstCash Inc (FCFS)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FCFS
FirstCash Inc
$228.38
+0.44%
FINANCIAL SERVICES · Cap: $9.78B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 367% more annual revenue ($19.23B vs $4.12B). ACGL leads profitability with a 24.4% profit margin vs 9.4%. ACGL appears more attractively valued with a PEG of 1.06. FCFS earns a higher WallStSmart Score of 68/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FCFS
Strong Buy68
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
Earnings expanding 58.2% YoY
Revenue surging 29.4% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FCFS
The strongest argument for FCFS centers on EPS Growth, Revenue Growth. Revenue growth of 29.4% demonstrates continued momentum. PEG of 1.17 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 : FCFS
The primary concerns for FCFS are P/E Ratio, Debt/Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FCFS is a growth play — different risk/reward profiles.
FCFS carries more volatility with a beta of 0.53 — expect wider price swings.
FCFS is growing revenue faster at 29.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FCFS scores higher overall (68/100 vs 67/100) and 29.4% 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.
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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