Arch Capital Group Ltd. (ACGL)vsPrimerica Inc (PRI)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
PRI
Primerica Inc
$292.44
+1.18%
FINANCIAL SERVICES · Cap: $8.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 452% more annual revenue ($19.23B vs $3.49B). ACGL leads profitability with a 24.4% profit margin vs 22.8%. ACGL appears more attractively valued with a PEG of 1.06. PRI earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
PRI
Strong Buy73
out of 100
Grade: B
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
Attractively priced relative to earnings
Every $100 of equity generates 31 in profit
Strong operational efficiency at 31.5%
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Distress zone — elevated risk
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 : PRI
The strongest argument for PRI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 22.8% and operating margin at 31.5%. PEG of 1.07 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 : PRI
The primary concerns for PRI are Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PRI is a mature play — different risk/reward profiles.
PRI carries more volatility with a beta of 0.85 — expect wider price swings.
PRI is growing revenue faster at 8.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
PRI scores higher overall (73/100 vs 67/100), backed by strong 22.8% margins. 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.
Primerica Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.
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