Arch Capital Group Ltd. (ACGL)vsHagerty Inc (HGTY)
ACGL
Arch Capital Group Ltd.
$93.80
-0.76%
FINANCIAL SERVICES · Cap: $33.09B
HGTY
Hagerty Inc
$10.06
-2.33%
FINANCIAL SERVICES · Cap: $3.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1258% more annual revenue ($19.78B vs $1.46B). ACGL leads profitability with a 24.6% profit margin vs 2.9%. HGTY appears more attractively valued with a PEG of 0.23. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
HGTY
Strong Buy68
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
Growing faster than its price suggests
Earnings expanding 410.3% YoY
Every $100 of equity generates 21 in profit
16.5% revenue growth
Areas to Watch
Revenue declined 3.3%
2.9% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 : HGTY
The strongest argument for HGTY centers on PEG Ratio, EPS Growth, Return on Equity. Revenue growth of 16.5% demonstrates continued momentum. PEG of 0.23 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : HGTY
The primary concerns for HGTY are Profit Margin, P/E Ratio, Altman Z-Score. A P/E of 42.0x leaves little room for execution misses. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HGTY is a growth play — different risk/reward profiles.
HGTY carries more volatility with a beta of 0.83 — expect wider price swings.
HGTY is growing revenue faster at 16.5% — 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 68/100), 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.
Hagerty Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Hagerty Inc. is a premier specialty insurance provider tailored to the automotive enthusiast sector, focusing on vintage cars, motorcycles, and collectible vehicles. The company employs a unique subscription-based model that not only offers comprehensive insurance solutions but also engages a passionate community through events and digital platforms. With its extensive expertise in the collector car market, Hagerty has diversified its offerings to include valuation tools and investment opportunities, bolstering its competitive edge. As the demand for classic car ownership escalates, Hagerty's innovative strategies and strong brand loyalty position it favorably for sustained growth in the dynamic automotive collectibles space.
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