Arch Capital Group Ltd. (ACGL)vsF&G Annuities & Life Inc. (FG)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
FG
F&G Annuities & Life Inc.
$27.17
+1.08%
FINANCIAL SERVICES · Cap: $3.83B
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 7.0x. 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
Reasonable price relative to book value
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
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, Price/Book, EPS Growth. 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 1.29 — 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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