Arch Capital Group Ltd. (ACGL)vsSoFi Technologies Inc. (SOFI)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
SOFI
SoFi Technologies Inc.
$17.32
+0.64%
FINANCIAL SERVICES · Cap: $23.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 351% more annual revenue ($19.23B vs $4.27B). ACGL leads profitability with a 24.4% profit margin vs 14.9%. SOFI appears more attractively valued with a PEG of 0.66. SOFI earns a higher WallStSmart Score of 70/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
SOFI
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
Revenue surging 42.6% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 40.4% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Premium valuation, high expectations priced in
ROE of 5.7% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
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 : SOFI
The strongest argument for SOFI centers on Revenue Growth, PEG Ratio, Price/Book. Revenue growth of 42.6% demonstrates continued momentum. PEG of 0.66 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SOFI
The primary concerns for SOFI are P/E Ratio, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SOFI is a growth play — different risk/reward profiles.
SOFI carries more volatility with a beta of 2.21 — expect wider price swings.
SOFI is growing revenue faster at 42.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
SOFI scores higher overall (70/100 vs 67/100) and 42.6% 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.
SoFi Technologies Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
SoFi Technologies, Inc. provides digital financial services. The company is headquartered in San Francisco, California.
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