Arch Capital Group Ltd (ACGL)vsIF Bancorp Inc (IROQ)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
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 69699% more annual revenue ($19.93B vs $28.55M). ACGL leads profitability with a 22.1% profit margin vs 0.2%. 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-
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
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
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
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, 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 : IROQ
The strongest argument for IROQ centers on Price/Book, P/E Ratio.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
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 mature stock while IROQ is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.38 — 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 52/100), 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.
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.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?