Arch Capital Group Ltd. (ACGL)vsShinhan Financial Group Co Ltd (SHG)
ACGL
Arch Capital Group Ltd.
$94.95
-0.87%
FINANCIAL SERVICES · Cap: $33.06B
SHG
Shinhan Financial Group Co Ltd
$82.76
+0.57%
FINANCIAL SERVICES · Cap: $38.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Shinhan Financial Group Co Ltd generates 106812% more annual revenue ($20.56T vs $19.23B). SHG leads profitability with a 26.2% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. SHG earns a higher WallStSmart Score of 70/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
SHG
Strong Buy70
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.8%
Generating 1.1T in free cash flow
Keeps 26 of every $100 in revenue as profit
Earnings expanding 22.5% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
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 : SHG
The strongest argument for SHG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.2% and operating margin at 44.8%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SHG
The primary concerns for SHG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SHG is a mature play — different risk/reward profiles.
SHG carries more volatility with a beta of 0.65 — expect wider price swings.
SHG is growing revenue faster at 5.7% — sustainability is the question.
SHG generates stronger free cash flow (1.1T), providing more financial flexibility.
Bottom Line
SHG scores higher overall (70/100 vs 67/100), backed by strong 26.2% 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.
Shinhan Financial Group Co Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · China
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and internationally. The company is headquartered in Seoul, South Korea.
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