Arch Capital Group Ltd. (ACGL)vsWaFd, Inc. (WAFDP)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
WAFDP
WaFd, Inc.
$16.40
0.00%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2427% more annual revenue ($19.23B vs $761.06M). WAFDP leads profitability with a 33.7% profit margin vs 24.4%. WAFDP trades at a lower P/E of 6.0x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
WAFDP
Hold45
out of 100
Grade: D
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Elevated debt levels
Distress zone — elevated risk
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 : WAFDP
The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.7% and operating margin at 46.1%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : WAFDP
The primary concerns for WAFDP are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while WAFDP is a mature play — different risk/reward profiles.
WAFDP carries more volatility with a beta of 0.82 — expect wider price swings.
WAFDP is growing revenue faster at 5.6% — 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 45/100), 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.
WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
WaFd, Inc. (WAFDP), headquartered in Seattle, Washington, operates as a multifaceted financial institution offering a diverse range of services, including retail and commercial banking, mortgage banking, and wealth management. Catering to individuals, businesses, and communities throughout the Western United States, WaFd harnesses cutting-edge technology and in-depth market insights to deliver superior customer experiences. With a strong financial foundation characterized by resilience through economic cycles and a dedication to prudent risk management, WaFd is committed to fostering sustainable growth and community engagement, establishing itself as a dependable partner in the region’s economic landscape.
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