Arch Capital Group Ltd. (ACGL)vsFreedom Holding Corp (FRHC)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
FRHC
Freedom Holding Corp
$148.51
-6.73%
FINANCIAL SERVICES · Cap: $8.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1110% more annual revenue ($19.78B vs $1.63B). ACGL leads profitability with a 24.6% profit margin vs 9.4%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FRHC
Avoid33
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Revenue surging 146.7% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
ROE of 0.2% — below average capital efficiency
Elevated debt levels
Premium valuation, high expectations priced in
Earnings declined 3.1%
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 : FRHC
The strongest argument for FRHC centers on Revenue Growth. Revenue growth of 146.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FRHC
The primary concerns for FRHC are Return on Equity, Debt/Equity, P/E Ratio. A P/E of 55.1x leaves little room for execution misses. Debt-to-equity of 1.57 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FRHC is a hypergrowth play — different risk/reward profiles.
FRHC carries more volatility with a beta of 0.67 — expect wider price swings.
FRHC is growing revenue faster at 146.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 33/100), backed by strong 24.6% margins. Both earn "Strong 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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