WallStSmart

Arch Capital Group Ltd (ACGL)vsInvestors Title Company (ITIC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 7208% more annual revenue ($19.93B vs $272.71M). ACGL leads profitability with a 22.1% profit margin vs 12.9%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

ITIC

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 6.0Value: 5.7Quality: 9.0
Piotroski: 4/9Altman Z: 4.34

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

ITIC4 strengths · Avg: 9.0/10
Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.3410/10

Safe zone — low bankruptcy risk

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

ITIC4 concerns · Avg: 2.8/10
PEG RatioValuation
1.984/10

Expensive relative to growth rate

Market CapQuality
$454.98M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-1.6%2/10

Revenue declined 1.6%

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

Comparative Analysis Report

WallStSmart Research

Bull 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 : ITIC

The strongest argument for ITIC centers on Debt/Equity, Altman Z-Score, P/E Ratio.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : ITIC

The primary concerns for ITIC are PEG Ratio, Market Cap, Revenue Growth.

Key Dynamics to Monitor

ACGL profiles as a mature stock while ITIC is a declining play — different risk/reward profiles.

ITIC carries more volatility with a beta of 0.67 — 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 51/100), 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.

Investors Title Company

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Investors Title Company, is dedicated to the issuance of residential and commercial title insurance for residential, institutional, commercial and industrial properties. The company is headquartered in Chapel Hill, North Carolina.

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