Arch Capital Group Ltd. (ACGL)vsWaFd, Inc. (WAFDP)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
WAFDP
WaFd, Inc.
$16.44
-0.24%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2499% more annual revenue ($19.78B vs $761.06M). WAFDP leads profitability with a 33.7% profit margin vs 24.6%. WAFDP trades at a lower P/E of 6.1x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
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
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
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 3.3%
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, EPS Growth, Return on Equity. 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 : 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, 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 0.83 — expect wider price swings.
WAFDP is growing revenue faster at 5.6% — 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 45/100), backed by strong 24.6% 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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