Arch Capital Group Ltd. (ACGL)vsHorizon Bancorp (HBNC)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
HBNC
Horizon Bancorp
$18.64
+1.97%
FINANCIAL SERVICES · Cap: $962.43M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates -85493% more annual revenue ($19.78B vs $-23.16M). ACGL leads profitability with a 24.6% profit margin vs 0.0%. HBNC appears more attractively valued with a PEG of 0.80. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
HBNC
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
Strong operational efficiency at 46.6%
Growing faster than its price suggests
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
0.0% margin — thin
Weak financial health signals
ROE of -21.2% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull 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 : HBNC
The strongest argument for HBNC centers on Price/Book, Operating Margin, PEG Ratio. PEG of 0.80 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : HBNC
The primary concerns for HBNC are Market Cap, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HBNC is a value play — different risk/reward profiles.
HBNC carries more volatility with a beta of 0.83 — expect wider price swings.
HBNC is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 55/100), 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.
Horizon Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, Indiana.
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