Arch Capital Group Ltd. (ACGL)vsGerman American Bancorp Inc (GABC)
ACGL
Arch Capital Group Ltd.
$98.25
-0.24%
FINANCIAL SERVICES · Cap: $34.28B
GABC
German American Bancorp Inc
$49.69
-1.60%
FINANCIAL SERVICES · Cap: $1.91B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4964% more annual revenue ($19.23B vs $379.75M). GABC leads profitability with a 37.4% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. GABC earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
GABC
Strong Buy72
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 2.5B in free cash flow
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 48.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.4% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
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 : GABC
The strongest argument for GABC centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 37.4% and operating margin at 48.8%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : GABC
The primary concerns for GABC are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while GABC is a mature play — different risk/reward profiles.
GABC carries more volatility with a beta of 0.58 — expect wider price swings.
GABC is growing revenue faster at 11.0% — sustainability is the question.
ACGL generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
GABC scores higher overall (72/100 vs 67/100), backed by strong 37.4% margins and 11.0% 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.
German American Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
German American Bancorp, Inc. is the banking holding company of German American Bank providing retail and commercial banking services. The company is headquartered in Jasper, Indiana.
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