Arch Capital Group Ltd. (ACGL)vsUWM Holdings Corp (UWMC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
UWMC
UWM Holdings Corp
$1.35
+0.75%
FINANCIAL SERVICES · Cap: $3.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 557% more annual revenue ($19.23B vs $2.93B). ACGL leads profitability with a 24.4% profit margin vs -1.3%. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
UWMC
Hold35
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Revenue declined 70.6%
Distress zone — elevated risk
Currently unprofitable
Operating margin of -111.0%
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : UWMC
The strongest argument for UWMC centers on EPS Growth, Return on Equity.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : UWMC
The primary concerns for UWMC are Revenue Growth, Altman Z-Score, Profit Margin. Debt-to-equity of 109.53 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UWMC is a turnaround play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.82 — expect wider price swings.
ACGL is growing revenue faster at -10.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 35/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Hold" 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.
UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
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