WallStSmart

Arch Capital Group Ltd. (ACGL)vsPrimis Financial Corp (FRST)

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Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 8407% more annual revenue ($18.78B vs $220.74M). FRST leads profitability with a 24.9% profit margin vs 23.3%. FRST trades at a lower P/E of 6.7x. FRST earns a higher WallStSmart Score of 71/100 (B).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 6/9Altman Z: 1.48

FRST

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 6.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: -0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 8.7/10
P/E RatioValuation
8.8x10/10

Attractively priced relative to earnings

Profit MarginProfitability
23.3%9/10

Keeps 23 of every $100 in revenue as profit

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Operating MarginProfitability
26.8%8/10

Strong operational efficiency at 26.8%

Free Cash FlowQuality
$1.75B8/10

Generating 1.7B in free cash flow

FRST6 strengths · Avg: 8.8/10
P/E RatioValuation
6.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.9%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
24.0%8/10

Strong operational efficiency at 24.0%

Revenue GrowthGrowth
17.1%8/10

17.1% revenue growth

EPS GrowthGrowth
26.2%8/10

Earnings expanding 26.2% YoY

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-8.9%2/10

Revenue declined 8.9%

EPS GrowthGrowth
-15.7%2/10

Earnings declined 15.7%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

FRST2 concerns · Avg: 2.5/10
Market CapQuality
$367.52M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.372/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : FRST

The strongest argument for FRST centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.9% and operating margin at 24.0%. Revenue growth of 17.1% demonstrates continued momentum.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : FRST

The primary concerns for FRST are Market Cap, Altman Z-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while FRST is a growth play — different risk/reward profiles.

FRST carries more volatility with a beta of 0.73 — expect wider price swings.

FRST is growing revenue faster at 17.1% — sustainability is the question.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FRST scores higher overall (71/100 vs 67/100), backed by strong 24.9% margins and 17.1% revenue growth. 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.

Primis Financial Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Primis Financial Corp. The company is headquartered in McLean, Virginia.

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