Arch Capital Group Ltd (ACGL)vsING Group NV ADR (ING)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
ING
ING Group NV ADR
$28.93
+4.63%
FINANCIAL SERVICES · Cap: $83.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ING Group NV ADR generates 23% more annual revenue ($24.46B vs $19.93B). ING leads profitability with a 34.0% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
ING
Strong Buy79
out of 100
Grade: B+
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 34 of every $100 in revenue as profit
Strong operational efficiency at 62.8%
Revenue surging 118.2% year-over-year
Earnings expanding 3978.0% YoY
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Weak financial health signals
Negative free cash flow — burning cash
Elevated debt levels
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 : ING
The strongest argument for ING centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 62.8%. Revenue growth of 118.2% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : ING
The primary concerns for ING are PEG Ratio, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 3.41 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a mature stock while ING is a growth play — different risk/reward profiles.
ING carries more volatility with a beta of 0.87 — expect wider price swings.
ING is growing revenue faster at 118.2% — 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 79/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Strong 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.
ING Group NV ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?