Arch Capital Group Ltd. (ACGL)vsReinsurance Group of America (RGA)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
RGA
Reinsurance Group of America
$248.72
+0.51%
FINANCIAL SERVICES · Cap: $16.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Reinsurance Group of America generates 35% more annual revenue ($25.97B vs $19.23B). ACGL leads profitability with a 24.4% profit margin vs 5.8%. ACGL appears more attractively valued with a PEG of 1.06. RGA earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
RGA
Strong Buy74
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 159.6% YoY
18.5% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
5.8% 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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 18.5% demonstrates continued momentum. PEG of 1.14 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 : RGA
The primary concerns for RGA are Profit Margin.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RGA is a growth play — different risk/reward profiles.
RGA carries more volatility with a beta of 0.46 — expect wider price swings.
RGA is growing revenue faster at 18.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
RGA scores higher overall (74/100 vs 67/100) and 18.5% 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.
Reinsurance Group of America
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.
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