Arch Capital Group Ltd. (ACGL)vsJefferson Capital, Inc. Common Stock (JCAP)
ACGL
Arch Capital Group Ltd.
$96.89
+0.20%
FINANCIAL SERVICES · Cap: $33.47B
JCAP
Jefferson Capital, Inc. Common Stock
$20.54
+0.34%
FINANCIAL SERVICES · Cap: $1.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2892% more annual revenue ($19.23B vs $642.73M). ACGL leads profitability with a 24.4% profit margin vs 24.1%. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
JCAP
Buy65
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 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Every $100 of equity generates 36 in profit
Strong operational efficiency at 61.2%
Keeps 24 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 96.0%
Distress zone — elevated risk
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : JCAP
The strongest argument for JCAP centers on Return on Equity, Operating Margin, Profit Margin. Profitability is solid with margins at 24.1% and operating margin at 61.2%. Revenue growth of 11.5% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : JCAP
The primary concerns for JCAP are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 2.95 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 11.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (67/100 vs 65/100), backed by strong 24.4% 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.
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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