Arch Capital Group Ltd (ACGL)vsCPI Card Group Inc (PMTS)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
PMTS
CPI Card Group Inc
$16.94
-6.72%
FINANCIAL SERVICES · Cap: $194.14M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 3567% more annual revenue ($19.93B vs $543.53M). ACGL leads profitability with a 22.1% profit margin vs 2.8%. PMTS appears more attractively valued with a PEG of 0.57. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
PMTS
Buy52
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Revenue surging 22.3% year-over-year
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.8% margin — thin
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : PMTS
The strongest argument for PMTS centers on PEG Ratio, P/E Ratio, Revenue Growth. Revenue growth of 22.3% demonstrates continued momentum. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a mature stock while PMTS is a growth play — different risk/reward profiles.
PMTS carries more volatility with a beta of 1.02 — expect wider price swings.
PMTS is growing revenue faster at 22.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 52/100), backed by strong 22.1% margins. Both earn "Exceptional 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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