Arch Capital Group Ltd. (ACGL)vsBRC Group Holdings, Inc. (RILYL)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
RILYL
BRC Group Holdings, Inc.
$17.46
+2.52%
FINANCIAL SERVICES · Cap: $536.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1792% more annual revenue ($19.78B vs $1.05B). RILYL leads profitability with a 50.8% profit margin vs 24.6%. RILYL trades at a lower P/E of 2.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
RILYL
Buy50
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
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
Attractively priced relative to earnings
Every $100 of equity generates 486 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 40.2%
Revenue surging 113.4% year-over-year
Earnings expanding 11633.0% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
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 : RILYL
The strongest argument for RILYL centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 40.2%. Revenue growth of 113.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : RILYL
The primary concerns for RILYL are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 17.37 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RILYL is a growth play — different risk/reward profiles.
RILYL carries more volatility with a beta of 1.16 — expect wider price swings.
RILYL is growing revenue faster at 113.4% — 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 50/100), backed by strong 24.6% margins. Both earn "Strong 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.
BRC Group Holdings, Inc.
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
B. Riley Financial, Inc. provides collaborative financial services and solutions in North America, Australia and Europe. The company is headquartered in Los Angeles, California.
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