Arch Capital Group Ltd. (ACGL)vsHingham Institution for Savings (HIFS)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
HIFS
Hingham Institution for Savings
$287.89
-0.25%
FINANCIAL SERVICES · Cap: $632.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 20182% more annual revenue ($19.78B vs $97.51M). HIFS leads profitability with a 51.6% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
HIFS
Hold50
out of 100
Grade: D+
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
Keeps 52 of every $100 in revenue as profit
Strong operational efficiency at 40.8%
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Revenue declined 30.5%
Earnings declined 60.2%
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 : HIFS
The strongest argument for HIFS centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 51.6% and operating margin at 40.8%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : HIFS
The primary concerns for HIFS are Market Cap, Revenue Growth, EPS Growth. Debt-to-equity of 2.93 is elevated, increasing financial risk.
Key Dynamics to Monitor
HIFS carries more volatility with a beta of 0.84 — expect wider price swings.
ACGL is growing revenue faster at -3.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 50/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Hold" 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.
Hingham Institution for Savings
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Hingham Institution for Savings offers a variety of financial products and services to individuals and businesses in the United States. The company is headquartered in Hingham, Massachusetts.
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