Arch Capital Group Ltd. (ACGL)vsIndependent Bank Corporation (IBCP)
ACGL
Arch Capital Group Ltd.
$98.71
+0.69%
FINANCIAL SERVICES · Cap: $33.45B
IBCP
Independent Bank Corporation
$38.31
-0.39%
FINANCIAL SERVICES · Cap: $783.51M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8234% more annual revenue ($19.23B vs $230.76M). IBCP leads profitability with a 31.1% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. IBCP earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
IBCP
Strong Buy74
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
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 2.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.9%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : IBCP
The strongest argument for IBCP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.1% and operating margin at 39.9%. Revenue growth of 11.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : IBCP
The primary concerns for IBCP are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while IBCP is a mature play — different risk/reward profiles.
IBCP carries more volatility with a beta of 0.70 — expect wider price swings.
IBCP is growing revenue faster at 11.2% — sustainability is the question.
ACGL generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
IBCP scores higher overall (74/100 vs 67/100), backed by strong 31.1% margins and 11.2% revenue growth. 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.
Independent Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Independent Bank Corporation is the bank holding company of Independent Bank providing various banking services to individuals and businesses. The company is headquartered in Grand Rapids, Michigan.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?