Arch Capital Group Ltd. (ACGL)vsHCI Group Inc (HCI)
ACGL
Arch Capital Group Ltd.
$93.83
+0.03%
FINANCIAL SERVICES · Cap: $32.77B
HCI
HCI Group Inc
$148.98
-2.14%
FINANCIAL SERVICES · Cap: $1.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2033% more annual revenue ($19.78B vs $927.39M). HCI leads profitability with a 32.6% profit margin vs 24.6%. HCI appears more attractively valued with a PEG of 0.97. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
HCI
Strong Buy77
out of 100
Grade: B+
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 21 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Every $100 of equity generates 39 in profit
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 47.9%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
1.7% earnings growth
Smaller company, higher risk/reward
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 : HCI
The strongest argument for HCI centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 32.6% and operating margin at 47.9%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : HCI
The primary concerns for HCI are EPS Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HCI is a mature play — different risk/reward profiles.
HCI carries more volatility with a beta of 1.09 — expect wider price swings.
HCI is growing revenue faster at 12.2% — 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 77/100), backed by strong 24.6% margins. 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.
HCI Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
HCI Group, Inc. is engaged in the property and casualty insurance, reinsurance, real estate and information technology businesses in Florida. The company is headquartered in Tampa, Florida.
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