WallStSmart

Arch Capital Group Ltd. (ACGL)vsUS Global Investors Inc (GROW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 202684% more annual revenue ($19.23B vs $9.48M). GROW leads profitability with a 33.3% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

GROW

Buy

58

out of 100

Grade: C

Growth: 7.3Profit: 5.0Value: 6.0Quality: 9.5
Piotroski: 6/9Altman Z: 9.72

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

GROW6 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Revenue GrowthGrowth
31.3%10/10

Revenue surging 31.3% year-over-year

EPS GrowthGrowth
480.9%10/10

Earnings expanding 480.9% YoY

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
9.7210/10

Safe zone — low bankruptcy risk

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

GROW3 concerns · Avg: 3.0/10
Market CapQuality
$40.07M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.9%3/10

ROE of 6.9% — below average capital efficiency

Operating MarginProfitability
3.3%3/10

Operating margin of 3.3%

Comparative Analysis Report

WallStSmart Research

Bull 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 : GROW

The strongest argument for GROW centers on Price/Book, Profit Margin, Revenue Growth. Profitability is solid with margins at 33.3% and operating margin at 3.3%. Revenue growth of 31.3% demonstrates continued momentum.

Bear Case : ACGL

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

Bear Case : GROW

The primary concerns for GROW are Market Cap, Return on Equity, Operating Margin.

Key Dynamics to Monitor

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

GROW carries more volatility with a beta of 0.66 — expect wider price swings.

GROW is growing revenue faster at 31.3% — sustainability is the question.

ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

ACGL scores higher overall (67/100 vs 58/100), backed by strong 24.4% 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.

US Global Investors Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

US Global Investors, Inc. is a publicly owned investment manager. The company is headquartered in San Antonio, Texas.

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