Arch Capital Group Ltd. (ACGL)vsFigure Technology Solutions, Inc. Class A Common Stock (FIGR)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
FIGR
Figure Technology Solutions, Inc. Class A Common Stock
$22.73
+8.73%
FINANCIAL SERVICES · Cap: $5.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3006% more annual revenue ($19.23B vs $619.12M). FIGR leads profitability with a 38.3% profit margin vs 24.4%. ACGL trades at a lower P/E of 8.2x. FIGR earns a higher WallStSmart Score of 70/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FIGR
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.7B in free cash flow
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 35.5%
Revenue surging 120.8% year-over-year
Earnings expanding 337.5% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Moderate valuation
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/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 : FIGR
The strongest argument for FIGR centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 38.3% and operating margin at 35.5%. Revenue growth of 120.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FIGR
The primary concerns for FIGR are P/E Ratio, Altman Z-Score, Debt/Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FIGR is a growth play — different risk/reward profiles.
FIGR is growing revenue faster at 120.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
FIGR scores higher overall (70/100 vs 67/100), backed by strong 38.3% margins and 120.8% 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.
Figure Technology Solutions, Inc. Class A Common Stock
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Figure Technology Solutions, Inc. develops and operates a blockchain-based consumer lending platform. The company is headquartered in Reno, Nevada.
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