Arch Capital Group Ltd. (ACGL)vsChicago Atlantic BDC, Inc. (LIEN)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
LIEN
Chicago Atlantic BDC, Inc.
$9.34
-0.11%
FINANCIAL SERVICES · Cap: $214.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 33374% more annual revenue ($19.78B vs $59.08M). LIEN leads profitability with a 57.9% profit margin vs 24.6%. LIEN trades at a lower P/E of 6.3x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
LIEN
Strong Buy68
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
Reasonable price relative to book value
Keeps 58 of every $100 in revenue as profit
Strong operational efficiency at 65.8%
Revenue surging 40.1% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
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 : LIEN
The strongest argument for LIEN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 57.9% and operating margin at 65.8%. Revenue growth of 40.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : LIEN
The primary concerns for LIEN are Market Cap, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LIEN is a growth play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.29 — expect wider price swings.
LIEN is growing revenue faster at 40.1% — 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 68/100), 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.
Chicago Atlantic BDC, Inc.
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Silver Spike Investment Corp. The company is headquartered in New York, New York.
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