Arch Capital Group Ltd. (ACGL)vsF&G Annuities & Life Inc. (FG)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
FG
F&G Annuities & Life Inc.
$29.52
-3.09%
FINANCIAL SERVICES · Cap: $4.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 229% more annual revenue ($19.78B vs $6.01B). ACGL leads profitability with a 24.6% profit margin vs 8.9%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FG
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.7%
Revenue surging 30.7% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Weak financial health signals
Earnings declined 64.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 24.6% and operating margin at 25.3%. 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, Operating Margin. Revenue growth of 30.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FG
The primary concerns for FG are Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FG is a hypergrowth play — different risk/reward profiles.
FG carries more volatility with a beta of 1.30 — expect wider price swings.
FG is growing revenue faster at 30.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 67/100), backed by strong 24.6% 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.
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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