Arch Capital Group Ltd. (ACGL)vsJefferson Capital, Inc. Common Stock (JCAP)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
JCAP
Jefferson Capital, Inc. Common Stock
$20.36
-0.83%
FINANCIAL SERVICES · Cap: $1.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3063% more annual revenue ($19.78B vs $625.35M). JCAP leads profitability with a 25.8% profit margin vs 24.6%. JCAP trades at a lower P/E of 3.7x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
JCAP
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Every $100 of equity generates 36 in profit
Strong operational efficiency at 47.3%
Keeps 26 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
0.0% earnings growth
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : JCAP
The strongest argument for JCAP centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.8% and operating margin at 47.3%. Revenue growth of 11.9% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : JCAP
The primary concerns for JCAP are EPS Growth, Market Cap, Altman Z-Score. Debt-to-equity of 3.25 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while JCAP is a mature play — different risk/reward profiles.
JCAP is growing revenue faster at 11.9% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 67/100), backed by strong 24.6% margins. Both earn "Strong 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.
Jefferson Capital, Inc. Common Stock
FINANCIAL SERVICES · CREDIT SERVICES · USA
Jernigan Capital is a real estate investment trust listed on the New York Stock Exchange (NYSE: JCAP) that provides debt and equity capital to private developers, owners and operators of storage facilities with a view to eventual freehold ownership of the facilities financed by the Company.
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