Arch Capital Group Ltd (ACGL)vsIntercorp Financial Services Inc (IFS)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
IFS
Intercorp Financial Services Inc
$44.45
-1.00%
FINANCIAL SERVICES · Cap: $4.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 263% more annual revenue ($19.93B vs $5.50B). IFS leads profitability with a 35.1% profit margin vs 22.1%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
IFS
Buy60
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 39.7%
Generating 2.2B in free cash flow
Areas to Watch
No major concerns identified
1.1% revenue growth
Earnings declined 2.8%
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 22.1% and operating margin at 29.5%. 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, Price/Book, Profit Margin. Profitability is solid with margins at 35.1% and operating margin at 39.7%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : IFS
The primary concerns for IFS are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a mature stock while IFS is a value play — different risk/reward profiles.
IFS carries more volatility with a beta of 0.70 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
IFS generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 60/100), 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.
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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