Arch Capital Group Ltd. (ACGL)vsNMI Holdings Inc (NMIH)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
NMIH
NMI Holdings Inc
$43.89
-0.68%
FINANCIAL SERVICES · Cap: $3.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2532% more annual revenue ($19.23B vs $730.78M). NMIH leads profitability with a 54.1% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. NMIH earns a higher WallStSmart Score of 71/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
NMIH
Strong Buy71
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
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 76.7%
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Weak financial health signals
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 : NMIH
The strongest argument for NMIH centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.1% and operating margin at 76.7%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NMIH
The primary concerns for NMIH are PEG Ratio, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NMIH is a mature play — different risk/reward profiles.
NMIH carries more volatility with a beta of 0.53 — expect wider price swings.
NMIH is growing revenue faster at 8.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
NMIH scores higher overall (71/100 vs 67/100), backed by strong 54.1% 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.
NMI Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
NMI Holdings, Inc. provides private home equity insurance services in the United States. The company is headquartered in Emeryville, California.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?