Arch Capital Group Ltd. (ACGL)vsTruist Financial Corp (TFC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
TFC
Truist Financial Corp
$50.40
+0.14%
FINANCIAL SERVICES · Cap: $61.57B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1% more annual revenue ($19.23B vs $19.03B). TFC leads profitability with a 30.7% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. TFC earns a higher WallStSmart Score of 77/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
TFC
Strong Buy77
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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.8%
Large-cap with strong market position
Earnings expanding 36.7% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Elevated debt levels
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 : TFC
The strongest argument for TFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.7% and operating margin at 39.8%. PEG of 1.15 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 : TFC
The primary concerns for TFC are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while TFC is a mature play — different risk/reward profiles.
TFC carries more volatility with a beta of 0.86 — expect wider price swings.
TFC is growing revenue faster at 8.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
TFC scores higher overall (77/100 vs 67/100), backed by strong 30.7% 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.
Truist Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Truist Financial Corporation is an American bank holding company headquartered in Charlotte, North Carolina. Its bank operates 2,781 branches in 15 states and Washington, D.C., and offers consumer and commercial banking, securities brokerage, asset management, mortgage, and insurance products and services.
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