Arch Capital Group Ltd. (ACGL)vsOld Second Bancorp Inc (OSBC)
ACGL
Arch Capital Group Ltd.
$102.50
+2.15%
FINANCIAL SERVICES · Cap: $34.24B
OSBC
Old Second Bancorp Inc
$24.41
-0.77%
FINANCIAL SERVICES · Cap: $1.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5303% more annual revenue ($19.23B vs $355.94M). OSBC leads profitability with a 31.3% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. OSBC earns a higher WallStSmart Score of 76/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
OSBC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
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 31 of every $100 in revenue as profit
Strong operational efficiency at 44.9%
Earnings expanding 211.1% YoY
19.2% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : OSBC
The strongest argument for OSBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.3% and operating margin at 44.9%. Revenue growth of 19.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : OSBC
The primary concerns for OSBC are PEG Ratio, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OSBC is a growth play — different risk/reward profiles.
OSBC carries more volatility with a beta of 0.77 — expect wider price swings.
OSBC is growing revenue faster at 19.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
OSBC scores higher overall (76/100 vs 67/100), backed by strong 31.3% margins and 19.2% 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 Second Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Old Second Bancorp, Inc. is the banking holding company for Old Second National Bank providing a range of banking services. The company is headquartered in Aurora, Illinois.
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