Arch Capital Group Ltd. (ACGL)vsInternational Bancshares Corporation (IBOC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
IBOC
International Bancshares Corporation
$70.94
-0.14%
FINANCIAL SERVICES · Cap: $4.44B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2196% more annual revenue ($19.23B vs $837.57M). IBOC leads profitability with a 49.3% profit margin vs 24.4%. IBOC appears more attractively valued with a PEG of 0.98. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
IBOC
Buy65
out of 100
Grade: C+
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 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 49 of every $100 in revenue as profit
Strong operational efficiency at 60.5%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
0.0% revenue growth
Earnings declined 4.3%
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 : IBOC
The strongest argument for IBOC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 49.3% and operating margin at 60.5%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : IBOC
The primary concerns for IBOC are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while IBOC is a value play — different risk/reward profiles.
IBOC carries more volatility with a beta of 0.68 — expect wider price swings.
IBOC is growing revenue faster at 0.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 65/100), backed by strong 24.4% margins. Both earn "Strong 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.
International Bancshares Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.
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