Arch Capital Group Ltd. (ACGL)vsStewart Information Services Corp (STC)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
STC
Stewart Information Services Corp
$41.62
-5.67%
FINANCIAL SERVICES · Cap: $1.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 456% more annual revenue ($18.78B vs $3.38B). ACGL leads profitability with a 23.3% profit margin vs 3.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
STC
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.9% — below average capital efficiency
3.6% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : STC
The strongest argument for STC centers on P/E Ratio, Price/Book. Revenue growth of 13.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : STC
The primary concerns for STC are Market Cap, Return on Equity, Profit Margin. Thin 3.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while STC is a value play — different risk/reward profiles.
STC carries more volatility with a beta of 1.04 — expect wider price swings.
STC is growing revenue faster at 13.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 51/100), backed by strong 23.3% margins. Both earn "Strong Buy" and "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.
Stewart Information Services Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Stewart Information Services Corporation offers title insurance and real estate transaction services. The company is headquartered in Houston, Texas.
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