Arch Capital Group Ltd. (ACGL)vsRegions Financial Corporation (RF)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
RF
Regions Financial Corporation
$28.54
+0.39%
FINANCIAL SERVICES · Cap: $24.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 176% more annual revenue ($19.78B vs $7.18B). RF leads profitability with a 31.0% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
RF
Strong Buy75
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Attractively priced relative to earnings
Earnings expanding 21.6% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : RF
The strongest argument for RF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 40.1%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : RF
The primary concerns for RF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RF is a mature play — different risk/reward profiles.
RF carries more volatility with a beta of 1.03 — expect wider price swings.
RF is growing revenue faster at 7.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 75/100), backed by strong 24.6% 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.
Regions Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Regions Financial Corporation is a bank holding company headquartered in the Regions Center in Birmingham, Alabama. The company provides retail banking and commercial banking, trust, stockbrokerage, and mortgage services.
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