Arch Capital Group Ltd. (ACGL)vsWaFd, Inc. (WAFD)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
WAFD
WaFd, Inc.
$29.27
-0.34%
FINANCIAL SERVICES · Cap: $2.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2319% more annual revenue ($18.78B vs $776.20M). WAFD leads profitability with a 33.0% profit margin vs 23.3%. ACGL appears more attractively valued with a PEG of 1.06. WAFD earns a higher WallStSmart Score of 70/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
WAFD
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.2%
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : WAFD
The strongest argument for WAFD centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.0% and operating margin at 45.2%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio.
Key Dynamics to Monitor
ACGL profiles as a declining stock while WAFD is a mature play — different risk/reward profiles.
WAFD carries more volatility with a beta of 0.88 — expect wider price swings.
WAFD is growing revenue faster at 8.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
WAFD scores higher overall (70/100 vs 67/100), backed by strong 33.0% 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.
WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?