WallStSmart

Arch Capital Group Ltd. (ACGL)vsF&G Annuities & Life Inc. (FG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 217% more annual revenue ($19.23B vs $6.07B). ACGL leads profitability with a 24.4% profit margin vs 6.9%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

FG

Hold

47

out of 100

Grade: D+

Growth: 5.3Profit: 4.0Value: 6.7Quality: 4.8
Piotroski: 2/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

FG3 strengths · Avg: 9.3/10
P/E RatioValuation
7.9x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$1.49B8/10

Generating 1.5B in free cash flow

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

FG4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.2%4/10

4.2% revenue growth

Profit MarginProfitability
6.9%3/10

6.9% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-64.2%2/10

Earnings declined 64.2%

Comparative Analysis Report

WallStSmart Research

Bull 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 : FG

The strongest argument for FG centers on P/E Ratio, Price/Book, Free Cash Flow.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : FG

The primary concerns for FG are Revenue Growth, Profit Margin, Piotroski F-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while FG is a value play — different risk/reward profiles.

FG carries more volatility with a beta of 1.24 — expect wider price swings.

FG is growing revenue faster at 4.2% — sustainability is the question.

FG generates stronger free cash flow (1.5B), providing more financial flexibility.

Bottom Line

ACGL scores higher overall (67/100 vs 47/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Hold" 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.

F&G Annuities & Life Inc.

FINANCIAL SERVICES · INSURANCE - LIFE · USA

FGL Holdings sells individual life and annuity insurance products in the United States. The company is headquartered in Des Moines, Iowa.

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