Arch Capital Group Ltd. (ACGL)vsFranklin Financial Services Corp (FRAF)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FRAF
Franklin Financial Services Corp
$63.54
+0.41%
FINANCIAL SERVICES · Cap: $275.55M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 20954% more annual revenue ($19.23B vs $91.35M). FRAF leads profitability with a 27.0% profit margin vs 24.4%. FRAF appears more attractively valued with a PEG of 1.03. FRAF earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FRAF
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
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
Attractively priced relative to earnings
Strong operational efficiency at 37.7%
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Distress zone — elevated risk
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 : FRAF
The strongest argument for FRAF centers on P/E Ratio, Operating Margin, Profit Margin. Profitability is solid with margins at 27.0% and operating margin at 37.7%. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FRAF
The primary concerns for FRAF are Market Cap, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FRAF is a mature play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.28 — expect wider price swings.
FRAF is growing revenue faster at 5.3% — 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 67/100), backed by strong 24.4% 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.
Franklin Financial Services Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Franklin Financial Services Corporation is the banking holding company for the Farmers and Merchants Trust Company of Chambersburg providing commercial, retail and trust banking services to small and medium-sized businesses, individuals, government entities, and non-profit organizations in Pennsylvania. The company is headquartered in Chambersburg, Pennsylvania.
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