Arch Capital Group Ltd. (ACGL)vsTrupanion Inc (TRUP)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
TRUP
Trupanion Inc
$22.00
+1.15%
FINANCIAL SERVICES · Cap: $951.80M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1235% more annual revenue ($19.78B vs $1.48B). ACGL leads profitability with a 24.6% profit margin vs 1.7%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
TRUP
Buy53
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Earnings expanding 235.1% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Premium valuation, high expectations priced in
Grey zone — moderate risk
Smaller company, higher risk/reward
ROE of 6.5% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : TRUP
The strongest argument for TRUP centers on EPS Growth, Debt/Equity, Price/Book. Revenue growth of 12.3% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : TRUP
The primary concerns for TRUP are P/E Ratio, Altman Z-Score, Market Cap. Thin 1.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while TRUP is a value play — different risk/reward profiles.
TRUP carries more volatility with a beta of 1.49 — expect wider price swings.
TRUP is growing revenue faster at 12.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 53/100), backed by strong 24.6% 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.
Trupanion Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Trupanion, Inc. offers monthly subscription medical insurance for dogs and cats in the United States, Canada, Puerto Rico and Australia. The company is headquartered in Seattle, Washington.
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