WallStSmart

Arch Capital Group Ltd. (ACGL)vsMeta Financial Group Inc (CASH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 2457% more annual revenue ($19.23B vs $752.03M). ACGL leads profitability with a 24.4% profit margin vs 23.4%. CASH appears more attractively valued with a PEG of 0.20. 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

CASH

Buy

63

out of 100

Grade: C+

Growth: 3.3Profit: 7.0Value: 8.3Quality: 5.0
Piotroski: 5/9Altman Z: -0.42

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

CASH6 strengths · Avg: 9.2/10
PEG RatioValuation
0.2010/10

Growing faster than its price suggests

P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
23.4%9/10

Keeps 23 of every $100 in revenue as profit

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

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

CASH4 concerns · Avg: 2.3/10
Market CapQuality
$1.70B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-13.5%2/10

Revenue declined 13.5%

EPS GrowthGrowth
-24.7%2/10

Earnings declined 24.7%

Altman Z-ScoreHealth
-0.422/10

Distress zone — elevated risk

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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : CASH

The strongest argument for CASH centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 23.4% and operating margin at 20.5%. PEG of 0.20 suggests the stock is reasonably priced for its growth.

Bear Case : ACGL

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

Bear Case : CASH

The primary concerns for CASH are Market Cap, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

CASH carries more volatility with a beta of 0.62 — expect wider price swings.

ACGL is growing revenue faster at -10.5% — sustainability is the question.

ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.

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

Bottom Line

ACGL scores higher overall (67/100 vs 63/100), 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.

Meta Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Meta Financial Group, Inc. is the holding company of MetaBank offering various banking products and services in the United States. The company is headquartered in Sioux Falls, South Dakota.

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