Arch Capital Group Ltd (ACGL)vsInternational General Insurance Holdings Ltd (IGIC)
ACGL
Arch Capital Group Ltd
$93.32
-0.30%
FINANCIAL SERVICES · Cap: $33.94B
IGIC
International General Insurance Holdings Ltd
$23.57
+0.21%
FINANCIAL SERVICES · Cap: $971.08M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 3755% more annual revenue ($19.93B vs $516.90M). IGIC leads profitability with a 24.6% profit margin vs 22.1%. IGIC trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
IGIC
Buy61
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
+73.8%
Fair Value
$95.49
Current Price
$23.57
$71.92 discount
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 25 of every $100 in revenue as profit
Strong operational efficiency at 26.7%
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Revenue declined 6.5%
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 : IGIC
The strongest argument for IGIC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.6% and operating margin at 26.7%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : IGIC
The primary concerns for IGIC are Market Cap, Revenue Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while IGIC is a declining play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.36 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 61/100), backed by strong 22.1% margins. IGIC offers better value entry with a 73.8% margin of safety. 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.
International General Insurance Holdings Ltd
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
International General Insurance Holdings Ltd. provides specialized insurance and reinsurance solutions globally. The company is headquartered in Amman, Jordan.
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