WallStSmart

Arch Capital Group Ltd (ACGL)vsX Financial Class A (XYF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 161% more annual revenue ($19.93B vs $7.64B). ACGL leads profitability with a 22.1% profit margin vs 19.2%. XYF trades at a lower P/E of 1.0x. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

XYF

Buy

54

out of 100

Grade: C-

Growth: 4.7Profit: 9.0Value: 6.7Quality: 7.8
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

XYF4 strengths · Avg: 10.0/10
P/E RatioValuation
1.0x10/10

Attractively priced relative to earnings

Price/BookValuation
0.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.9%10/10

Strong operational efficiency at 43.9%

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

XYF3 concerns · Avg: 2.3/10
Market CapQuality
$193.87M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-14.1%2/10

Revenue declined 14.1%

EPS GrowthGrowth
-82.1%2/10

Earnings declined 82.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : XYF

The strongest argument for XYF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 43.9%.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : XYF

The primary concerns for XYF are Market Cap, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

ACGL profiles as a mature stock while XYF is a declining play — different risk/reward profiles.

XYF carries more volatility with a beta of 0.47 — expect wider price swings.

ACGL is growing revenue faster at 8.5% — sustainability is the question.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ACGL scores higher overall (81/100 vs 54/100), backed by strong 22.1% margins. Both earn "Exceptional 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.

X Financial Class A

FINANCIAL SERVICES · CREDIT SERVICES · China

X Financial offers personal finance services in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.

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