Arch Capital Group Ltd (ACGL)vsFidelis Insurance Holdings Limited (FIHL)
ACGL
Arch Capital Group Ltd
$93.32
-0.30%
FINANCIAL SERVICES · Cap: $33.94B
FIHL
Fidelis Insurance Holdings Limited
$19.11
+0.47%
FINANCIAL SERVICES · Cap: $1.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 697% more annual revenue ($19.93B vs $2.50B). ACGL leads profitability with a 22.1% profit margin vs 9.0%. ACGL trades at a lower P/E of 8.1x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
FIHL
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.8%
Fair Value
$542.88
Current Price
$93.32
$449.56 discount
Margin of Safety
+80.0%
Fair Value
$98.75
Current Price
$19.11
$79.64 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.8%
Earnings expanding 41.1% YoY
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 10.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FIHL
The strongest argument for FIHL centers on P/E Ratio, Price/Book, Operating Margin.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FIHL
The primary concerns for FIHL are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FIHL is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.36 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 61/100), backed by strong 22.1% margins. FIHL offers better value entry with a 80.0% margin of safety. Both earn "Exceptional 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.
Fidelis Insurance Holdings Limited
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Fidelis Insurance Holdings Limited, provides insurance and reinsurance products in Bermuda, Ireland, and the United Kingdom. The company is headquartered in Pembroke, Bermuda.
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