Arch Capital Group Ltd. (ACGL)vsUnum Group (UNM)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 48% more annual revenue ($19.78B vs $13.34B). ACGL leads profitability with a 24.6% profit margin vs 5.9%. UNM appears more attractively valued with a PEG of 1.03. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
UNM
Strong Buy67
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
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
Reasonable price relative to book value
Earnings expanding 33.0% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
ROE of 7.2% — below average capital efficiency
5.9% margin — thin
Weak financial health signals
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 : UNM
The strongest argument for UNM centers on Price/Book, EPS Growth. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UNM is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.31 — expect wider price swings.
UNM is growing revenue faster at 8.5% — 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 67/100), backed by strong 24.6% 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.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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