Arch Capital Group Ltd. (ACGL)vsByline Bancorp Inc (BY)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
BY
Byline Bancorp Inc
$38.67
+0.76%
FINANCIAL SERVICES · Cap: $1.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4327% more annual revenue ($19.23B vs $434.46M). BY leads profitability with a 34.4% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.7x. BY earns a higher WallStSmart Score of 68/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
BY
Strong Buy68
out of 100
Grade: B-
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Earnings expanding 36.4% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. 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 : BY
The strongest argument for BY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.4% and operating margin at 50.4%. Revenue growth of 11.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : BY
The primary concerns for BY are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while BY is a mature play — different risk/reward profiles.
BY carries more volatility with a beta of 0.71 — expect wider price swings.
BY is growing revenue faster at 11.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
BY scores higher overall (68/100 vs 67/100), backed by strong 34.4% margins and 11.7% revenue growth. Both earn "Strong Buy" and "Strong 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.
Byline Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Byline Bancorp, Inc. is the banking holding company for Byline Bank offering a range of banking products and services to small and medium-sized businesses, commercial and financial real estate sponsors, and consumers in the United States. The company is headquartered in Chicago, Illinois.
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