Arch Capital Group Ltd. (ACGL)vsUMB Financial Corporation (UMBF)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
UMBF
UMB Financial Corporation
$129.92
+0.95%
FINANCIAL SERVICES · Cap: $10.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 624% more annual revenue ($19.78B vs $2.73B). UMBF leads profitability with a 32.3% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. UMBF earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Strong Buy79
out of 100
Grade: B+
UMBF
Exceptional Buy81
out of 100
Grade: A-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.0%
Revenue surging 49.0% year-over-year
Earnings expanding 176.9% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
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 : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 51.0%. Revenue growth of 49.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UMBF is a growth play — different risk/reward profiles.
UMBF carries more volatility with a beta of 0.80 — expect wider price swings.
UMBF is growing revenue faster at 49.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (81/100 vs 79/100), backed by strong 32.3% margins and 49.0% revenue growth. 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.
UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
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