Arch Capital Group Ltd. (ACGL)vsTompkins Financial Corporation (TMP)
ACGL
Arch Capital Group Ltd.
$106.36
+2.33%
FINANCIAL SERVICES · Cap: $34.24B
TMP
Tompkins Financial Corporation
$101.64
+0.53%
FINANCIAL SERVICES · Cap: $1.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4188% more annual revenue ($19.23B vs $448.50M). TMP leads profitability with a 40.2% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. TMP earns a higher WallStSmart Score of 74/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
TMP
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 43.5%
Reasonable price relative to book value
Earnings expanding 21.2% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
2.2% revenue growth
Smaller company, higher risk/reward
Negative free cash flow — burning cash
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : TMP
The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.2% and operating margin at 43.5%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Revenue Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while TMP is a value play — different risk/reward profiles.
TMP carries more volatility with a beta of 0.74 — expect wider price swings.
TMP is growing revenue faster at 2.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
TMP scores higher overall (74/100 vs 67/100), backed by strong 40.2% 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
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