Arch Capital Group Ltd (ACGL)vsHaverty Furniture Companies Inc (HVT)
ACGL
Arch Capital Group Ltd
$93.32
-0.30%
FINANCIAL SERVICES · Cap: $33.94B
HVT
Haverty Furniture Companies Inc
$21.26
+2.75%
CONSUMER CYCLICAL · Cap: $343.29M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 2526% more annual revenue ($19.93B vs $759.00M). ACGL leads profitability with a 22.1% profit margin vs 2.6%. HVT appears more attractively valued with a PEG of 0.89. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
HVT
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.8%
Fair Value
$542.88
Current Price
$93.32
$449.56 discount
Margin of Safety
-71.8%
Fair Value
$15.33
Current Price
$21.26
$5.93 premium
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
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
3.8% earnings growth
Smaller company, higher risk/reward
ROE of 6.4% — below average capital efficiency
2.6% margin — thin
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 : HVT
The strongest argument for HVT centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.89 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : HVT
The primary concerns for HVT are EPS Growth, Market Cap, Return on Equity. Thin 2.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a mature stock while HVT is a value play — different risk/reward profiles.
HVT carries more volatility with a beta of 1.27 — expect wider price swings.
HVT is growing revenue faster at 9.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 56/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Haverty Furniture Companies Inc
CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA
Haverty Furniture Companies, Inc. is a specialty retailer of residential furniture and accessories in the United States. The company is headquartered in Atlanta, Georgia.
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