Arch Capital Group Ltd. (ACGL)vsCPI Card Group Inc (PMTS)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
PMTS
CPI Card Group Inc
$22.50
-16.48%
FINANCIAL SERVICES · Cap: $310.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3175% more annual revenue ($19.23B vs $587.31M). ACGL leads profitability with a 24.4% profit margin vs 2.3%. PMTS appears more attractively valued with a PEG of 0.57. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
PMTS
Buy57
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Earnings expanding 325.0% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
15.0% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.3% margin — thin
Weak financial health signals
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : PMTS
The strongest argument for PMTS centers on EPS Growth, Debt/Equity, PEG Ratio. Revenue growth of 15.0% demonstrates continued momentum. PEG of 0.57 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 : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.3% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PMTS is a value play — different risk/reward profiles.
PMTS carries more volatility with a beta of 0.97 — expect wider price swings.
PMTS is growing revenue faster at 15.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 57/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "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.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
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