Arch Capital Group Ltd. (ACGL)vsLincoln National Corporation (LNC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
LNC
Lincoln National Corporation
$43.84
+0.64%
FINANCIAL SERVICES · Cap: $8.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Lincoln National Corporation generates 1% more annual revenue ($19.39B vs $19.23B). ACGL leads profitability with a 24.4% profit margin vs 12.2%. LNC appears more attractively valued with a PEG of 1.01. LNC earns a higher WallStSmart Score of 78/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
LNC
Strong Buy78
out of 100
Grade: B+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 76.8% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Operating margin of 4.6%
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, 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 : LNC
The strongest argument for LNC centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 12.6% demonstrates continued momentum. PEG of 1.01 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 : LNC
The primary concerns for LNC are Operating Margin, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LNC is a value play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.11 — expect wider price swings.
LNC is growing revenue faster at 12.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
LNC scores higher overall (78/100 vs 67/100) and 12.6% revenue growth. 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.
Lincoln National Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.
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