Arch Capital Group Ltd (ACGL)vsHartford Financial Services Group (HIG)
ACGL
Arch Capital Group Ltd
$92.30
+0.14%
FINANCIAL SERVICES · Cap: $33.47B
HIG
Hartford Financial Services Group
$132.65
+0.98%
FINANCIAL SERVICES · Cap: $37.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 42% more annual revenue ($28.38B vs $19.93B). ACGL leads profitability with a 22.1% profit margin vs 13.5%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
HIG
Exceptional Buy81
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.8%
Fair Value
$542.88
Current Price
$92.30
$450.58 discount
Margin of Safety
+77.4%
Fair Value
$629.46
Current Price
$132.65
$496.81 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Areas to Watch
No major concerns identified
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
ACGL profiles as a mature stock while HIG is a value play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.52 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
HIG generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 81/100), backed by strong 22.1% margins. HIG offers better value entry with a 77.4% margin of safety. Both earn "Exceptional Buy" and "Exceptional 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.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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