Arch Capital Group Ltd. (ACGL)vsFinwise Bancorp (FINW)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FINW
Finwise Bancorp
$13.33
-0.89%
FINANCIAL SERVICES · Cap: $194.08M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 16366% more annual revenue ($19.23B vs $116.80M). ACGL leads profitability with a 24.4% profit margin vs 11.7%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FINW
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Revenue surging 55.7% year-over-year
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 8.0% — below average capital efficiency
Weak financial health signals
Earnings declined 48.3%
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FINW
The strongest argument for FINW centers on Price/Book, Revenue Growth, P/E Ratio. Revenue growth of 55.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FINW
The primary concerns for FINW are Market Cap, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FINW is a growth play — different risk/reward profiles.
FINW carries more volatility with a beta of 0.71 — expect wider price swings.
FINW is growing revenue faster at 55.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 49/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Hold" 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.
Finwise Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
FinWise Bancorp is FinWise Bank's banking holding company that offers various banking services to individual and corporate clients. The company is headquartered in Murray, Utah.
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