Arch Capital Group Ltd (ACGLO)vsHartford Financial Services Group (HIG)
ACGLO
Arch Capital Group Ltd
$19.82
+0.38%
FINANCIAL SERVICES · Cap: $11.54B
HIG
Hartford Financial Services Group
$134.10
-0.97%
FINANCIAL SERVICES · Cap: $37.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 42% more annual revenue ($28.38B vs $19.93B). ACGLO leads profitability with a 22.1% profit margin vs 13.5%. ACGLO trades at a lower P/E of 4.2x. HIG earns a higher WallStSmart Score of 79/100 (B+).
ACGLO
Buy64
out of 100
Grade: C+
HIG
Strong Buy79
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+90.5%
Fair Value
$219.54
Current Price
$19.82
$199.72 discount
Margin of Safety
+77.2%
Fair Value
$623.84
Current Price
$134.10
$489.74 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
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Generating 1.4B in free cash flow
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
Weak financial health signals
No major concerns identified
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 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 : ACGLO
The primary concerns for ACGLO are Piotroski F-Score.
Bear Case : HIG
No major red flags identified for HIG, but monitor valuation.
Key Dynamics to Monitor
ACGLO 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.
ACGLO 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 (79/100 vs 64/100). ACGLO offers better value entry with a 90.5% margin of safety. Both earn "Strong 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.
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.
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