Arch Capital Group Ltd. (ACGL)vsWintrust Financial Corporation (WTFC)
ACGL
Arch Capital Group Ltd.
$107.28
-2.98%
FINANCIAL SERVICES · Cap: $34.24B
WTFC
Wintrust Financial Corporation
$151.72
-2.82%
FINANCIAL SERVICES · Cap: $10.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 583% more annual revenue ($19.23B vs $2.81B). WTFC leads profitability with a 32.8% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. WTFC earns a higher WallStSmart Score of 77/100 (B+).
ACGL
Strong Buy67
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
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
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 46.9%
Earnings expanding 21.2% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
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, Profit Margin, Debt/Equity. 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 : WTFC
The strongest argument for WTFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.8% and operating margin at 46.9%. PEG of 1.17 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS 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 0.89 — expect wider price swings.
WTFC 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
WTFC scores higher overall (77/100 vs 67/100), backed by strong 32.8% 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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