Arch Capital Group Ltd (ACGLO)vsAmerican International Group Inc (AIG)
ACGLO
Arch Capital Group Ltd
$18.68
-0.11%
FINANCIAL SERVICES · Cap: $11.95B
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 39% more annual revenue ($26.74B vs $19.23B). ACGLO leads profitability with a 24.4% profit margin vs 11.1%. ACGLO trades at a lower P/E of 4.0x. AIG earns a higher WallStSmart Score of 64/100 (C+).
ACGLO
Hold50
out of 100
Grade: D+
AIG
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Generating 1.7B in free cash flow
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGLO
The strongest argument for ACGLO centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 26.6%.
Bull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bear Case : ACGLO
The primary concerns for ACGLO are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ACGLO profiles as a declining stock while AIG is a value play — different risk/reward profiles.
AIG carries more volatility with a beta of 0.51 — expect wider price swings.
AIG is growing revenue faster at 0.5% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
AIG scores higher overall (64/100 vs 50/100). Both earn "Buy" and "Hold" 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.
American International Group Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
American International Group, Inc., also known as AIG, is an American multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions. The company operates through three core businesses: General Insurance, Life & Retirement, and a standalone technology-enabled subsidiary.
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