Arch Capital Group Ltd (ACGLN)vsHartford Financial Services Group (HIG)
ACGLN
Arch Capital Group Ltd
$16.52
-2.02%
FINANCIAL SERVICES · Cap: $15.30B
HIG
Hartford Financial Services Group
$132.65
+0.98%
FINANCIAL SERVICES · Cap: $37.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 42% more annual revenue ($28.38B vs $19.93B). ACGLN leads profitability with a 22.1% profit margin vs 13.5%. ACGLN trades at a lower P/E of 3.6x. HIG earns a higher WallStSmart Score of 81/100 (A-).
ACGLN
Buy52
out of 100
Grade: C-
HIG
Exceptional Buy81
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+92.0%
Fair Value
$219.54
Current Price
$16.52
$203.02 discount
Margin of Safety
+77.4%
Fair Value
$629.46
Current Price
$132.65
$496.81 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Areas to Watch
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGLN
The strongest argument for ACGLN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : ACGLN
The primary concerns for ACGLN are Altman Z-Score.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
ACGLN profiles as a mature stock while HIG is a value play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.52 — expect wider price swings.
ACGLN is growing revenue faster at 8.5% — sustainability is the question.
HIG generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (81/100 vs 52/100). ACGLN offers better value entry with a 92.0% margin of safety. 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. (ACGLN) is a leading global insurer and reinsurer, actively engaged in property, casualty, and mortgage insurance markets across North America, Europe, and Asia. The company is recognized for its disciplined underwriting practices and advanced risk management approaches, which enable it to adeptly manage a diverse portfolio of exposures. With a robust capital foundation and a focus on operational efficiency, Arch Capital is well-equipped to meet the evolving needs of its clients while driving sustainable shareholder returns. Furthermore, the firm's proactive investments in technology and data analytics enhance its competitive edge in a rapidly changing industry landscape.
Visit Website →Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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