Arch Capital Group Ltd. (ACGL)vsIF Bancorp Inc (IROQ)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
IROQ
IF Bancorp Inc
$26.55
0.00%
FINANCIAL SERVICES · Cap: $88.98M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 69167% more annual revenue ($19.78B vs $28.55M). ACGL leads profitability with a 24.6% profit margin vs 0.2%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
IROQ
Buy52
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
0.1% revenue growth
0.1% earnings growth
Smaller company, higher risk/reward
ROE of 0.1% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : IROQ
The strongest argument for IROQ centers on Price/Book, P/E Ratio.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : IROQ
The primary concerns for IROQ are Revenue Growth, EPS Growth, Market Cap. Thin 0.2% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while IROQ is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.31 — expect wider price swings.
IROQ is growing revenue faster at 0.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 52/100), backed by strong 24.6% 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.
IF Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
IF Bancorp, Inc. is the savings and loan holding company of the Federal Iroquois Savings and Loans Association, offering a range of banking and financial services to individual and corporate clients. The company is headquartered in Watseka, Illinois.
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