Arch Capital Group Ltd (ACGL)vsOnity Group Inc. (ONIT)
ACGL
Arch Capital Group Ltd
$92.72
-4.47%
FINANCIAL SERVICES · Cap: $34.58B
ONIT
Onity Group Inc.
$46.01
+0.46%
FINANCIAL SERVICES · Cap: $390.89M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 1768% more annual revenue ($19.93B vs $1.07B). ACGL leads profitability with a 22.1% profit margin vs 17.8%. ONIT appears more attractively valued with a PEG of 0.62. ONIT earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
ONIT
Exceptional Buy81
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 32 in profit
Strong operational efficiency at 52.9%
Growing faster than its price suggests
Revenue surging 29.0% year-over-year
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Earnings declined 23.4%
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 17.8% and operating margin at 52.9%. Revenue growth of 29.0% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a mature stock while ONIT is a growth play — different risk/reward profiles.
ONIT carries more volatility with a beta of 1.56 — expect wider price swings.
ONIT is growing revenue faster at 29.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 81/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Exceptional 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.
Onity Group Inc.
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company is headquartered in West Palm Beach, Florida.
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