Arch Capital Group Ltd. (ACGL)vsFirst Financial Bancorp (FFBC)
ACGL
Arch Capital Group Ltd.
$98.48
-0.82%
FINANCIAL SERVICES · Cap: $34.28B
FFBC
First Financial Bancorp
$33.66
-0.36%
FINANCIAL SERVICES · Cap: $3.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1918% more annual revenue ($19.23B vs $952.89M). FFBC leads profitability with a 29.9% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. FFBC earns a higher WallStSmart Score of 71/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FFBC
Strong Buy71
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.8%
Keeps 30 of every $100 in revenue as profit
16.5% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
0.0% earnings growth
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, Return on Equity. 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 : FFBC
The strongest argument for FFBC centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.9% and operating margin at 39.8%. Revenue growth of 16.5% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FFBC
The primary concerns for FFBC are EPS Growth, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FFBC is a growth play — different risk/reward profiles.
FFBC carries more volatility with a beta of 0.93 — expect wider price swings.
FFBC is growing revenue faster at 16.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
FFBC scores higher overall (71/100 vs 67/100), backed by strong 29.9% margins and 16.5% 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.
First Financial Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Bancorp. The company is headquartered in Cincinnati, Ohio.
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