Arch Capital Group Ltd. (ACGL)vsPrudential Financial, Inc. (PRU)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
PRU
Prudential Financial, Inc.
$119.24
+0.64%
FINANCIAL SERVICES · Cap: $41.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Prudential Financial, Inc. generates 239% more annual revenue ($65.22B vs $19.23B). ACGL leads profitability with a 24.4% profit margin vs 6.0%. PRU appears more attractively valued with a PEG of 0.71. PRU earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
PRU
Strong Buy72
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
Reasonable price relative to book value
Earnings expanding 89.2% YoY
Growing faster than its price suggests
Generating 2.3B in free cash flow
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
6.0% margin — thin
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 : PRU
The strongest argument for PRU centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 14.1% demonstrates continued momentum. PEG of 0.71 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 : PRU
The primary concerns for PRU are Profit Margin, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PRU is a value play — different risk/reward profiles.
PRU carries more volatility with a beta of 0.82 — expect wider price swings.
PRU is growing revenue faster at 14.1% — sustainability is the question.
PRU generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
PRU scores higher overall (72/100 vs 67/100) and 14.1% 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.
Prudential Financial, Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Prudential Financial, Inc. is an American company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 40 other countries.
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