Arch Capital Group Ltd. (ACGL)vsOportun Financial Corp (OPRT)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
OPRT
Oportun Financial Corp
$4.82
+2.12%
FINANCIAL SERVICES · Cap: $225.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2619% more annual revenue ($19.78B vs $727.47M). ACGL leads profitability with a 24.6% profit margin vs 2.5%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
OPRT
Hold41
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
1.3% revenue growth
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.5% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : OPRT
The strongest argument for OPRT centers on Price/Book, P/E Ratio.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : OPRT
The primary concerns for OPRT are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 6.87 is elevated, increasing financial risk. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OPRT is a value play — different risk/reward profiles.
OPRT carries more volatility with a beta of 1.25 — expect wider price swings.
OPRT is growing revenue faster at 1.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 41/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Hold" 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.
Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
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