Arch Capital Group Ltd. (ACGL)vsSumitomo Mitsui Financial Group Inc (SMFG)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
SMFG
Sumitomo Mitsui Financial Group Inc
$25.78
+3.29%
FINANCIAL SERVICES · Cap: $158.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Sumitomo Mitsui Financial Group Inc generates 22043% more annual revenue ($4.38T vs $19.78B). SMFG leads profitability with a 27.1% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
SMFG
Strong Buy78
out of 100
Grade: B+
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
Strong operational efficiency at 271.1%
Revenue surging 36.8% year-over-year
Earnings expanding 354.6% YoY
Generating 7.3T in free cash flow
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Areas to Watch
Revenue declined 3.3%
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, 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 : SMFG
The strongest argument for SMFG centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 27.1% and operating margin at 271.1%. Revenue growth of 36.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : SMFG
The primary concerns for SMFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.70 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SMFG is a growth play — different risk/reward profiles.
SMFG carries more volatility with a beta of 0.38 — expect wider price swings.
SMFG is growing revenue faster at 36.8% — sustainability is the question.
SMFG generates stronger free cash flow (7.3T), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 78/100), 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.
Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
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