Arch Capital Group Ltd. (ACGL)vsGoldman Sachs Group Inc (GS)
ACGL
Arch Capital Group Ltd.
$100.28
-1.00%
FINANCIAL SERVICES · Cap: $33.89B
GS
Goldman Sachs Group Inc
$884.81
+2.25%
FINANCIAL SERVICES · Cap: $255.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Goldman Sachs Group Inc generates 269% more annual revenue ($71.04B vs $19.23B). GS leads profitability with a 31.2% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. GS earns a higher WallStSmart Score of 83/100 (A-).
ACGL
Strong Buy67
out of 100
Grade: B-
GS
Exceptional Buy83
out of 100
Grade: A-
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 1.3B in free cash flow
Mega-cap, among the largest globally
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.2%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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 : GS
The strongest argument for GS centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 31.2% and operating margin at 38.2%. Revenue growth of 23.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : GS
The primary concerns for GS are Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while GS is a growth play — different risk/reward profiles.
GS carries more volatility with a beta of 1.28 — expect wider price swings.
GS is growing revenue faster at 23.3% — sustainability is the question.
GS generates stronger free cash flow (5.6B), providing more financial flexibility.
Bottom Line
GS scores higher overall (83/100 vs 67/100), backed by strong 31.2% margins and 23.3% revenue growth. Both earn "Exceptional 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.
Goldman Sachs Group Inc
FINANCIAL SERVICES · CAPITAL MARKETS · USA
The Goldman Sachs Group, Inc., is an American multinational investment bank and financial services company headquartered in New York City. It offers services in investment management, securities, asset management, prime brokerage, and securities underwriting. It also provides investment banking to institutional investors.
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