Arch Capital Group Ltd. (ACGL)vsHanmi Financial Corporation (HAFC)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
HAFC
Hanmi Financial Corporation
$31.55
-0.85%
FINANCIAL SERVICES · Cap: $943.30M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7016% more annual revenue ($19.78B vs $277.92M). HAFC leads profitability with a 32.2% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. HAFC earns a higher WallStSmart Score of 80/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
HAFC
Strong Buy80
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 45.0%
Earnings expanding 58.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
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, EPS Growth, Return on Equity. 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 : HAFC
The strongest argument for HAFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.2% and operating margin at 45.0%. Revenue growth of 23.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : HAFC
The primary concerns for HAFC are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HAFC is a growth play — different risk/reward profiles.
HAFC carries more volatility with a beta of 0.71 — expect wider price swings.
HAFC is growing revenue faster at 23.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
HAFC scores higher overall (80/100 vs 79/100), backed by strong 32.2% margins and 23.3% 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.
Hanmi Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hanmi Financial Corporation is the holding company of Hanmi Bank offering commercial banking products and services in the United States. The company is headquartered in Los Angeles, California.
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