Arch Capital Group Ltd. (ACGL)vsIntercorp Financial Services Inc (IFS)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
IFS
Intercorp Financial Services Inc
$54.73
+0.11%
FINANCIAL SERVICES · Cap: $6.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 228% more annual revenue ($19.23B vs $5.87B). IFS leads profitability with a 35.7% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
IFS
Buy59
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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Reasonable price relative to book value
Generating 2.7B in free cash flow
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
3.8% revenue growth
2.4% earnings growth
Elevated debt levels
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 : IFS
The strongest argument for IFS centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 35.7% and operating margin at 44.7%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : IFS
The primary concerns for IFS are Revenue Growth, EPS Growth, Debt/Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while IFS is a value play — different risk/reward profiles.
IFS carries more volatility with a beta of 0.42 — expect wider price swings.
IFS is growing revenue faster at 3.8% — sustainability is the question.
IFS generates stronger free cash flow (2.7B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 59/100), 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.
Intercorp Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Intercorp Financial Services Inc. provides banking, insurance and wealth management services for retail and commercial clients in Peru. The company is headquartered in Lima, Peru.
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