Arch Capital Group Ltd. (ACGL)vsTriumph Financial, Inc. (TFIN)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
TFIN
Triumph Financial, Inc.
$66.04
-1.32%
FINANCIAL SERVICES · Cap: $1.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4131% more annual revenue ($19.23B vs $454.56M). ACGL leads profitability with a 24.4% profit margin vs 8.5%. 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-
TFIN
Buy64
out of 100
Grade: C+
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
Earnings expanding 193.3% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 21.3%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
Premium valuation, high expectations priced in
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 : TFIN
The strongest argument for TFIN centers on EPS Growth, Debt/Equity, Price/Book. Revenue growth of 11.9% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : TFIN
The primary concerns for TFIN are PEG Ratio, Market Cap, Return on Equity. A P/E of 44.7x leaves little room for execution misses.
Key Dynamics to Monitor
ACGL profiles as a declining stock while TFIN is a value play — different risk/reward profiles.
TFIN carries more volatility with a beta of 1.37 — expect wider price swings.
TFIN is growing revenue faster at 11.9% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 64/100), backed by strong 24.4% 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.
Triumph Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. The company is headquartered in Dallas, Texas.
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