Arch Capital Group Ltd. (ACGL)vsLloyds Banking Group PLC ADR (LYG)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
LYG
Lloyds Banking Group PLC ADR
$6.01
+2.04%
FINANCIAL SERVICES · Cap: $86.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Lloyds Banking Group PLC ADR generates 2% more annual revenue ($19.69B vs $19.23B). LYG leads profitability with a 26.4% profit margin vs 24.4%. LYG appears more attractively valued with a PEG of 0.64. LYG earns a higher WallStSmart Score of 70/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
LYG
Strong Buy70
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
Strong operational efficiency at 45.0%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
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 : LYG
The strongest argument for LYG centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : LYG
The primary concerns for LYG are Debt/Equity. Debt-to-equity of 2.18 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LYG is a mature play — different risk/reward profiles.
LYG carries more volatility with a beta of 0.91 — expect wider price swings.
LYG is growing revenue faster at 12.3% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LYG scores higher overall (70/100 vs 67/100), backed by strong 26.4% margins and 12.3% 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.
Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
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