Arch Capital Group Ltd (ACGL)vsFirst Internet Bancorp (INBK)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
INBK
First Internet Bancorp
$22.58
-2.50%
FINANCIAL SERVICES · Cap: $198.39M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 45031% more annual revenue ($19.93B vs $44.16M). ACGL leads profitability with a 22.1% profit margin vs -79.6%. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
INBK
Hold35
out of 100
Grade: F
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
Reasonable price relative to book value
Strong operational efficiency at 23.8%
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Weak financial health signals
ROE of -9.5% — below average capital efficiency
Revenue declined 8.0%
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 : INBK
The strongest argument for INBK centers on Price/Book, Operating Margin.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : INBK
The primary concerns for INBK are Market Cap, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a mature stock while INBK is a turnaround play — different risk/reward profiles.
INBK carries more volatility with a beta of 0.80 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 35/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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.
First Internet Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Internet Bancorp is the banking holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and business customers in the United States. The company is headquartered in Fishers, Indiana.
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