Arch Capital Group Ltd. (ACGL)vsFigure Technology Solutions, Inc. Class A Common Stock (FIGR)
ACGL
Arch Capital Group Ltd.
$93.80
-0.76%
FINANCIAL SERVICES · Cap: $33.09B
FIGR
Figure Technology Solutions, Inc. Class A Common Stock
$37.63
+0.32%
FINANCIAL SERVICES · Cap: $8.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4477% more annual revenue ($19.78B vs $432.06M). FIGR leads profitability with a 31.0% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.3x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FIGR
Buy57
out of 100
Grade: C
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 21 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Keeps 31 of every $100 in revenue as profit
Revenue surging 99.1% year-over-year
Earnings expanding 277.8% YoY
Areas to Watch
Revenue declined 3.3%
Weak financial health signals
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
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 : FIGR
The strongest argument for FIGR centers on Profit Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 31.0% and operating margin at 13.1%. Revenue growth of 99.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : FIGR
The primary concerns for FIGR are Piotroski F-Score, P/E Ratio, Free Cash Flow. A P/E of 84.8x leaves little room for execution misses.
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 99.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 57/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "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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