Arch Capital Group Ltd (ACGL)vsChubb Ltd (CB)
ACGL
Arch Capital Group Ltd
$93.32
-0.30%
FINANCIAL SERVICES · Cap: $33.94B
CB
Chubb Ltd
$323.21
+0.34%
FINANCIAL SERVICES · Cap: $126.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 199% more annual revenue ($59.63B vs $19.93B). ACGL leads profitability with a 22.1% profit margin vs 17.3%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
CB
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.8%
Fair Value
$542.88
Current Price
$93.32
$449.56 discount
Margin of Safety
+73.1%
Fair Value
$1202.76
Current Price
$323.21
$879.55 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
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 24.2%
Earnings expanding 27.9% YoY
Generating 4.8B in free cash flow
Areas to Watch
No major concerns identified
Expensive relative to growth rate
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : CB
The strongest argument for CB centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 17.3% and operating margin at 24.2%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Key Dynamics to Monitor
CB carries more volatility with a beta of 0.49 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 69/100), backed by strong 22.1% margins. CB offers better value entry with a 73.1% margin of safety. Both earn "Exceptional 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.
Chubb Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Chubb Limited, incorporated in Zurich, Switzerland, is the parent company of Chubb, a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and the largest publicly traded property and casualty company in the world.
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