Arch Capital Group Ltd. (ACGL)vsWintrust Financial Corporation (WTFC)
ACGL
Arch Capital Group Ltd.
$92.04
+1.81%
FINANCIAL SERVICES · Cap: $32.03B
WTFC
Wintrust Financial Corporation
$155.77
+0.27%
FINANCIAL SERVICES · Cap: $10.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 635% more annual revenue ($19.78B vs $2.69B). WTFC leads profitability with a 32.0% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
WTFC
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 46.3%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. 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 : WTFC
The strongest argument for WTFC centers on Profit Margin, Operating Margin, P/E Ratio. Profitability is solid with margins at 32.0% and operating margin at 46.3%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : WTFC
The primary concerns for WTFC are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while WTFC is a mature play — different risk/reward profiles.
WTFC carries more volatility with a beta of 0.85 — expect wider price swings.
WTFC is growing revenue faster at 10.4% — 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 77/100), backed by strong 24.6% 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.
Wintrust Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Wintrust Financial Corporation is a financial holding company. The company is headquartered in Rosemont, Illinois.
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