WallStSmart

Arch Capital Group Ltd (ACGL)vsArch Capital Group Ltd (ACGLO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 0% more annual revenue ($19.93B vs $19.93B). ACGLO leads profitability with a 22.1% profit margin vs 22.1%. ACGLO trades at a lower P/E of 4.2x. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 10.0Quality: 6.5
Piotroski: 5/9

ACGLO

Buy

64

out of 100

Grade: C+

Growth: 8.7Profit: 8.0Value: 8.3Quality: 4.8
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ACGLUndervalued (+81.8%)

Margin of Safety

+81.8%

Fair Value

$542.88

Current Price

$93.32

$449.56 discount

UndervaluedFair: $542.88Overvalued
ACGLOUndervalued (+90.5%)

Margin of Safety

+90.5%

Fair Value

$219.54

Current Price

$19.82

$199.72 discount

UndervaluedFair: $219.54Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.1x10/10

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

ACGLO6 strengths · Avg: 8.8/10
P/E RatioValuation
4.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

Free Cash FlowQuality
$1.39B8/10

Generating 1.4B in free cash flow

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

ACGLO1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : 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%.

Bear Case : ACGL

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

Bear Case : ACGLO

The primary concerns for ACGLO are Piotroski F-Score.

Key Dynamics to Monitor

ACGLO carries more volatility with a beta of 0.36 — expect wider price swings.

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

ACGLO generates stronger free cash flow (1.4B), providing more financial flexibility.

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

Bottom Line

ACGL scores higher overall (81/100 vs 64/100), backed by strong 22.1% margins. ACGLO offers better value entry with a 90.5% 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., offers insurance, reinsurance and mortgage products worldwide. The company is headquartered in Pembroke, Bermuda.

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.

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