Arch Capital Group Ltd. (ACGL)vsPrincipal Financial Group Inc (PFG)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
PFG
Principal Financial Group Inc
$110.91
-1.69%
FINANCIAL SERVICES · Cap: $23.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 16% more annual revenue ($19.23B vs $16.63B). ACGL leads profitability with a 24.4% profit margin vs 11.9%. PFG appears more attractively valued with a PEG of 1.06. PFG earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
PFG
Strong Buy79
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 1.7B in free cash flow
Earnings expanding 206.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 25.4% year-over-year
Generating 1.5B in free cash flow
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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 : PFG
The strongest argument for PFG centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 25.4% demonstrates continued momentum. PEG of 1.06 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 : PFG
The primary concerns for PFG are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PFG is a growth play — different risk/reward profiles.
PFG carries more volatility with a beta of 0.87 — expect wider price swings.
PFG is growing revenue faster at 25.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
PFG scores higher overall (79/100 vs 67/100) and 25.4% 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.
Principal Financial Group Inc
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Principal Financial Group is an American global financial investment management and insurance company headquartered in Des Moines, Iowa.
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