Arch Capital Group Ltd. (ACGL)vsSezzle Inc. (SEZL)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
SEZL
Sezzle Inc.
$120.97
+3.00%
FINANCIAL SERVICES · Cap: $4.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4012% more annual revenue ($19.78B vs $480.91M). SEZL leads profitability with a 30.8% profit margin vs 24.6%. SEZL appears more attractively valued with a PEG of 0.07. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
SEZL
Strong Buy73
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
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
Growing faster than its price suggests
Every $100 of equity generates 75 in profit
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 61.0%
Safe zone — low bankruptcy risk
Revenue surging 29.2% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Trading at 20.6x book value
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 : SEZL
The strongest argument for SEZL centers on PEG Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 30.8% and operating margin at 61.0%. Revenue growth of 29.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : SEZL
The primary concerns for SEZL are Price/Book.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SEZL is a growth play — different risk/reward profiles.
SEZL carries more volatility with a beta of 6.97 — expect wider price swings.
SEZL is growing revenue faster at 29.2% — 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 73/100), backed by strong 24.6% margins. 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.
Sezzle Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
Sezzle Inc. is a technology-enabled payments company primarily in the United States and Canada. The company is headquartered in Minneapolis, Minnesota.
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