WallStSmart

Arch Capital Group Ltd. (ACGL)vsHbt Financial Inc (HBT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 7132% more annual revenue ($19.23B vs $265.92M). HBT leads profitability with a 29.2% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.9x. 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

HBT

Buy

65

out of 100

Grade: C+

Growth: 8.7Profit: 7.5Value: 6.0Quality: 5.5
Piotroski: 7/9Altman Z: -0.20

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.9x10/10

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

HBT6 strengths · Avg: 9.0/10
Operating MarginProfitability
49.9%10/10

Strong operational efficiency at 49.9%

Revenue GrowthGrowth
37.7%10/10

Revenue surging 37.7% year-over-year

Profit MarginProfitability
29.2%9/10

Keeps 29 of every $100 in revenue as profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

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

HBT2 concerns · Avg: 2.5/10
Market CapQuality
$1.29B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
-0.202/10

Distress zone — elevated risk

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 : HBT

The strongest argument for HBT centers on Operating Margin, Revenue Growth, Profit Margin. Profitability is solid with margins at 29.2% and operating margin at 49.9%. Revenue growth of 37.7% demonstrates continued momentum.

Bear Case : ACGL

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

Bear Case : HBT

The primary concerns for HBT are Market Cap, Altman Z-Score.

Key Dynamics to Monitor

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

HBT carries more volatility with a beta of 0.51 — expect wider price swings.

HBT is growing revenue faster at 37.7% — 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 65/100), 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.

Hbt Financial Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.

Want to dig deeper into these stocks?