WallStSmart

Arch Capital Group Ltd. (ACGL)vsBlackstone Secured Lending Fund (BXSL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 1287% more annual revenue ($19.23B vs $1.39B). BXSL leads profitability with a 31.7% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.9x. ACGL earns a higher WallStSmart Score of 67/100 (B-).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

BXSL

Buy

53

out of 100

Grade: C-

Growth: 4.7Profit: 7.5Value: 6.0Quality: 4.0
Piotroski: 3/9Altman Z: 0.56

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.2/10
P/E RatioValuation
7.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

BXSL4 strengths · Avg: 9.5/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.7%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
87.0%10/10

Strong operational efficiency at 87.0%

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

BXSL4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Debt/EquityHealth
1.323/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-9.0%2/10

Revenue declined 9.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : BXSL

The strongest argument for BXSL centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 87.0%.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : BXSL

The primary concerns for BXSL are Return on Equity, Debt/Equity, Piotroski F-Score.

Key Dynamics to Monitor

BXSL carries more volatility with a beta of 0.42 — expect wider price swings.

BXSL is growing revenue faster at -9.0% — sustainability is the question.

ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.

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

Bottom Line

ACGL scores higher overall (67/100 vs 53/100), backed by strong 24.4% margins. 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.

Blackstone Secured Lending Fund

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Blackstone Secured Lending Fund (BXSL) is a closed-end investment fund focused on originating and acquiring senior secured loans primarily for U.S. middle-market companies. Supported by its affiliation with the esteemed Blackstone Group, BXSL utilizes its extensive market insights and robust network to provide strong risk-adjusted returns while emphasizing capital preservation. With a disciplined investment approach and a seasoned management team, BXSL presents institutional investors with an appealing opportunity for portfolio diversification and reliable income generation, positioning itself as a significant entity within the private credit sector.

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