Arch Capital Group Ltd. (ACGL)vsRLI Corp (RLI)
ACGL
Arch Capital Group Ltd.
$98.48
-0.82%
FINANCIAL SERVICES · Cap: $34.28B
RLI
RLI Corp
$64.23
-0.23%
FINANCIAL SERVICES · Cap: $5.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 874% more annual revenue ($19.23B vs $1.97B). ACGL leads profitability with a 24.4% profit margin vs 22.2%. ACGL appears more attractively valued with a PEG of 1.06. RLI earns a higher WallStSmart Score of 77/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
RLI
Strong Buy77
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Strong operational efficiency at 36.9%
Every $100 of equity generates 22 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
15.2% revenue growth
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
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, Return on Equity. 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 : RLI
The strongest argument for RLI centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 22.2% and operating margin at 36.9%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : RLI
The primary concerns for RLI are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RLI is a growth play — different risk/reward profiles.
RLI carries more volatility with a beta of 0.33 — expect wider price swings.
RLI is growing revenue faster at 15.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
RLI scores higher overall (77/100 vs 67/100), backed by strong 22.2% margins and 15.2% 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.
RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
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