Arch Capital Group Ltd. (ACGL)vsNavient Corp (NAVI)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
NAVI
Navient Corp
$9.42
+2.95%
FINANCIAL SERVICES · Cap: $870.31M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5658% more annual revenue ($19.23B vs $334.00M). ACGL leads profitability with a 24.4% profit margin vs -14.7%. NAVI appears more attractively valued with a PEG of 0.14. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
NAVI
Buy63
out of 100
Grade: C+
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
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 33.9%
Earnings expanding 100.0% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
4.2% revenue growth
Smaller company, higher risk/reward
ROE of -2.0% — below average capital efficiency
Distress zone — elevated risk
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 : NAVI
The strongest argument for NAVI centers on PEG Ratio, Price/Book, Operating Margin. PEG of 0.14 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 : NAVI
The primary concerns for NAVI are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 18.49 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NAVI is a turnaround play — different risk/reward profiles.
NAVI carries more volatility with a beta of 1.20 — expect wider price swings.
NAVI is growing revenue faster at 4.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 63/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "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.
Navient Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?