WallStSmart

Arch Capital Group Ltd. (ACGL)vsOld Republic International Corp (ORI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 98% more annual revenue ($19.23B vs $9.72B). ACGL leads profitability with a 24.4% profit margin vs 11.7%. ACGL appears more attractively valued with a PEG of 1.06. ORI earns a higher WallStSmart Score of 76/100 (B+).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

ORI

Strong Buy

76

out of 100

Grade: B+

Growth: 6.7Profit: 7.0Value: 7.0Quality: 5.3
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

ORI3 strengths · Avg: 9.3/10
P/E RatioValuation
8.9x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
61.7%10/10

Earnings expanding 61.7% YoY

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

ORI0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull 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 : ORI

The strongest argument for ORI centers on P/E Ratio, EPS Growth, Price/Book. Revenue growth of 13.4% demonstrates continued momentum. PEG of 1.39 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 : ORI

No major red flags identified for ORI, but monitor valuation.

Key Dynamics to Monitor

ACGL profiles as a declining stock while ORI is a value play — different risk/reward profiles.

ORI carries more volatility with a beta of 0.61 — expect wider price swings.

ORI is growing revenue faster at 13.4% — sustainability is the question.

ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.

Bottom Line

ORI scores higher overall (76/100 vs 67/100) and 13.4% revenue growth. 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.

Old Republic International Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.

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