Arch Capital Group Ltd (ACGL)vsFreedom Holding Corp (FRHC)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FRHC
Freedom Holding Corp
$147.60
-1.60%
FINANCIAL SERVICES · Cap: $9.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 1238% more annual revenue ($19.93B vs $1.49B). ACGL leads profitability with a 22.1% profit margin vs 0.2%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
FRHC
Avoid21
out of 100
Grade: F
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
No standout strengths identified
Areas to Watch
No major concerns identified
ROE of 0.2% — below average capital efficiency
0.2% margin — thin
Elevated debt levels
Weak financial health signals
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 : FRHC
FRHC has a balanced fundamental profile.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FRHC
The primary concerns for FRHC are Return on Equity, Profit Margin, Debt/Equity. A P/E of 14760.0x leaves little room for execution misses. Debt-to-equity of 1.56 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FRHC is a value play — different risk/reward profiles.
FRHC carries more volatility with a beta of 0.73 — 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 21/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Avoid" 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.
Freedom Holding Corp
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Freedom Holding Corp. The company is headquartered in Almaty, Kazakhstan.
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