Arch Capital Group Ltd. (ACGL)vsLoandepot Inc (LDI)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
LDI
Loandepot Inc
$1.18
-5.60%
FINANCIAL SERVICES · Cap: $765.32M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1504% more annual revenue ($19.78B vs $1.23B). ACGL leads profitability with a 24.6% profit margin vs -6.3%. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
LDI
Avoid29
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
1.7% revenue growth
Smaller company, higher risk/reward
ROE of -38.3% — below average capital efficiency
Earnings declined 98.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. 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 : LDI
The strongest argument for LDI centers on Price/Book.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : LDI
The primary concerns for LDI are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 25.32 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LDI is a turnaround play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.04 — expect wider price swings.
LDI is growing revenue faster at 1.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 29/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Avoid" 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.
Loandepot Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
LoanDepot, Inc. is dedicated to the origination and servicing of conventional and government mortgage loans in the United States. The company is headquartered in Foothill Ranch, California.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?