WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 9869% more annual revenue ($19.78B vs $198.38M). ACGL leads profitability with a 24.6% profit margin vs 23.3%. ACGL trades at a lower P/E of 7.3x. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

FRST

Buy

57

out of 100

Grade: C

Growth: 4.7Profit: 7.0Value: 6.7Quality: 4.8
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
21.3%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

FRST4 strengths · Avg: 9.3/10
P/E RatioValuation
7.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
23.3%9/10

Keeps 23 of every $100 in revenue as profit

Operating MarginProfitability
25.1%8/10

Strong operational efficiency at 25.1%

Areas to Watch

ACGL1 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

FRST3 concerns · Avg: 2.3/10
Market CapQuality
$358.95M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-22.7%2/10

Revenue declined 22.7%

EPS GrowthGrowth
-67.6%2/10

Earnings declined 67.6%

Comparative Analysis Report

WallStSmart Research

Bull 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 : FRST

The strongest argument for FRST centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 23.3% and operating margin at 25.1%.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth.

Bear Case : FRST

The primary concerns for FRST are Market Cap, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

FRST carries more volatility with a beta of 0.76 — expect wider price swings.

ACGL is growing revenue faster at -3.3% — sustainability is the question.

ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.

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

Bottom Line

ACGL scores higher overall (79/100 vs 57/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "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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