Arch Capital Group Ltd. (ACGL)vsNorthern Trust Corporation (NTRS)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
NTRS
Northern Trust Corporation
$189.19
+1.07%
FINANCIAL SERVICES · Cap: $34.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 112% more annual revenue ($19.23B vs $9.09B). NTRS leads profitability with a 24.7% profit margin vs 24.4%. NTRS appears more attractively valued with a PEG of 1.06. NTRS earns a higher WallStSmart Score of 84/100 (A-).
ACGL
Strong Buy67
out of 100
Grade: B-
NTRS
Exceptional Buy84
out of 100
Grade: A-
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 42.5%
Revenue surging 36.4% year-over-year
Earnings expanding 98.6% YoY
Keeps 25 of every $100 in revenue as profit
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
Weak financial health signals
Negative free cash flow — burning cash
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 : NTRS
The strongest argument for NTRS centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 24.7% and operating margin at 42.5%. Revenue growth of 36.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NTRS
The primary concerns for NTRS are Debt/Equity, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NTRS is a growth play — different risk/reward profiles.
NTRS carries more volatility with a beta of 1.26 — expect wider price swings.
NTRS is growing revenue faster at 36.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
NTRS scores higher overall (84/100 vs 67/100), backed by strong 24.7% margins and 36.4% revenue growth. Both earn "Exceptional 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.
Northern Trust Corporation
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Northern Trust Corporation is a financial services company headquartered in Chicago, Illinois that caters to corporations, institutional investors, and ultra high net worth individuals.
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