Arch Capital Group Ltd. (ACGL)vsWorld Acceptance Corporation (WRLD)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
WRLD
World Acceptance Corporation
$185.56
-2.16%
FINANCIAL SERVICES · Cap: $891.22M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3282% more annual revenue ($19.78B vs $584.79M). ACGL leads profitability with a 24.6% profit margin vs 5.9%. WRLD appears more attractively valued with a PEG of 0.70. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
WRLD
Buy60
out of 100
Grade: C
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
Strong operational efficiency at 33.0%
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Moderate valuation
Smaller company, higher risk/reward
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, 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 : WRLD
The strongest argument for WRLD centers on Operating Margin, PEG Ratio, Price/Book. PEG of 0.70 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 : WRLD
The primary concerns for WRLD are P/E Ratio, Market Cap, Profit Margin.
Key Dynamics to Monitor
ACGL profiles as a declining stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.14 — expect wider price swings.
WRLD is growing revenue faster at 7.3% — 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 60/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "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.
World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
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