Arch Capital Group Ltd. (ACGL)vsBRC Group Holdings, Inc. (RILYL)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
RILYL
BRC Group Holdings, Inc.
$13.09
+0.69%
FINANCIAL SERVICES · Cap: $536.57M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1704% more annual revenue ($19.23B vs $1.07B). RILYL leads profitability with a 38.6% profit margin vs 24.4%. RILYL trades at a lower P/E of 2.2x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
RILYL
Avoid30
out of 100
Grade: F
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 277 in profit
Keeps 39 of every $100 in revenue as profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 90.0%
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, 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 : RILYL
The strongest argument for RILYL centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 38.6% and operating margin at 11.8%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : RILYL
The primary concerns for RILYL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.31 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RILYL is a mature play — different risk/reward profiles.
RILYL carries more volatility with a beta of 1.22 — expect wider price swings.
RILYL is growing revenue faster at 10.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 30/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Avoid" 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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