WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 8006% more annual revenue ($19.78B vs $243.97M). HBT leads profitability with a 28.3% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.2x. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

HBT

Buy

53

out of 100

Grade: C-

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.2/10
P/E RatioValuation
7.2x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

HBT6 strengths · Avg: 8.7/10
Operating MarginProfitability
44.2%10/10

Strong operational efficiency at 44.2%

Profit MarginProfitability
28.3%9/10

Keeps 28 of every $100 in revenue as profit

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
17.5%8/10

17.5% revenue growth

Areas to Watch

ACGL2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

HBT3 concerns · Avg: 2.3/10
Market CapQuality
$1.16B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-43.7%2/10

Earnings declined 43.7%

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, 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 : HBT

The strongest argument for HBT centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.3% and operating margin at 44.2%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : ACGL

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

Bear Case : HBT

The primary concerns for HBT are Market Cap, EPS Growth, 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 0.53 — expect wider price swings.

HBT is growing revenue faster at 17.5% — 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 53/100), 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.

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.

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