Arch Capital Group Ltd. (ACGL)vsRyan Specialty Group Holdings Inc (RYAN)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
RYAN
Ryan Specialty Group Holdings Inc
$46.52
+1.11%
FINANCIAL SERVICES · Cap: $11.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 538% more annual revenue ($19.78B vs $3.10B). ACGL leads profitability with a 24.6% profit margin vs 3.5%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
RYAN
Buy57
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Earnings expanding 110.1% YoY
Every $100 of equity generates 21 in profit
15.8% revenue growth
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Trading at 9.4x book value
3.5% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : RYAN
The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : RYAN
The primary concerns for RYAN are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 51.2x leaves little room for execution misses. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RYAN is a growth play — different risk/reward profiles.
RYAN carries more volatility with a beta of 0.60 — expect wider price swings.
RYAN is growing revenue faster at 15.8% — 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 57/100), 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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative and tailored risk management services across various sectors. The company leverages a strong network of insurance wholesale operations and underwriting expertise to foster robust partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and optimizes client outcomes. With a commitment to growth and operational excellence, the firm is well-positioned to generate sustainable shareholder value within a dynamic and competitive insurance landscape.
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