Arch Capital Group Ltd. (ACGL)vsBanco Santander SA ADR (SAN)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
SAN
Banco Santander SA ADR
$14.96
+2.26%
FINANCIAL SERVICES · Cap: $217.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Santander SA ADR generates 152% more annual revenue ($48.53B vs $19.23B). SAN leads profitability with a 33.5% profit margin vs 24.4%. SAN appears more attractively valued with a PEG of 0.94. SAN earns a higher WallStSmart Score of 69/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
SAN
Strong Buy69
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
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.4%
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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 : SAN
The strongest argument for SAN centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.5% and operating margin at 43.4%. Revenue growth of 10.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SAN
The primary concerns for SAN are Altman Z-Score, Debt/Equity. Debt-to-equity of 4.12 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SAN is a mature play — different risk/reward profiles.
SAN carries more volatility with a beta of 0.93 — expect wider price swings.
SAN is growing revenue faster at 10.2% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (69/100 vs 67/100), backed by strong 33.5% margins and 10.2% 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.
Banco Santander SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain.
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