Arch Capital Group Ltd (ACGL)vsUnited Bankshares Inc (UBSI)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
UBSI
United Bankshares Inc
$43.81
+1.11%
FINANCIAL SERVICES · Cap: $6.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 1494% more annual revenue ($19.93B vs $1.25B). UBSI leads profitability with a 40.3% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
UBSI
Strong Buy73
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 52.7%
Earnings expanding 50.8% YoY
Attractively priced relative to earnings
18.5% revenue growth
Areas to Watch
No major concerns identified
Expensive relative to growth rate
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : UBSI
The strongest argument for UBSI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 40.3% and operating margin at 52.7%. Revenue growth of 18.5% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : UBSI
The primary concerns for UBSI are PEG Ratio.
Key Dynamics to Monitor
ACGL profiles as a mature stock while UBSI is a growth play — different risk/reward profiles.
UBSI carries more volatility with a beta of 0.75 — expect wider price swings.
UBSI is growing revenue faster at 18.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 73/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
United Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. The company is headquartered in Charleston, West Virginia.
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