Arch Capital Group Ltd. (ACGL)vsKemper Corporation (KMPR)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
KMPR
Kemper Corporation
$34.30
-1.32%
FINANCIAL SERVICES · Cap: $2.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 323% more annual revenue ($18.78B vs $4.44B). ACGL leads profitability with a 23.3% profit margin vs -9.5%. KMPR appears more attractively valued with a PEG of 0.75. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
KMPR
Hold49
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Reasonable price relative to book value
Growing faster than its price suggests
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
ROE of 1.6% — below average capital efficiency
Operating margin of 2.8%
Revenue declined 12.0%
Earnings declined 3.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : KMPR
The strongest argument for KMPR centers on Price/Book, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : KMPR
The primary concerns for KMPR are Return on Equity, Operating Margin, Revenue Growth.
Key Dynamics to Monitor
ACGL profiles as a declining stock while KMPR is a turnaround play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.04 — expect wider price swings.
ACGL is growing revenue faster at -8.9% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 49/100), backed by strong 23.3% margins. Both earn "Strong Buy" and "Hold" 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.
Kemper Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kemper Corporation, a diversified insurance holding company, offers property and casualty and life and health insurance in the United States. The company is headquartered in Chicago, Illinois.
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