Arch Capital Group Ltd. (ACGL)vsCapitol Federal Financial Inc (CFFN)
ACGL
Arch Capital Group Ltd.
$92.04
+0.94%
FINANCIAL SERVICES · Cap: $32.03B
CFFN
Capitol Federal Financial Inc
$7.62
-3.05%
FINANCIAL SERVICES · Cap: $996.39M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 9044% more annual revenue ($19.78B vs $216.29M). CFFN leads profitability with a 35.9% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CFFN
Strong Buy70
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 47.3%
Attractively priced relative to earnings
Earnings expanding 34.3% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.6% — below average capital efficiency
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : CFFN
The strongest argument for CFFN centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 35.9% and operating margin at 47.3%. Revenue growth of 13.4% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CFFN
The primary concerns for CFFN are Market Cap, Return on Equity, Debt/Equity. Debt-to-equity of 1.66 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CFFN is a mature play — different risk/reward profiles.
CFFN carries more volatility with a beta of 0.69 — expect wider price swings.
CFFN is growing revenue faster at 13.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 70/100), backed by strong 24.6% margins. 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.
Capitol Federal Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Capitol Federal Financial, Inc. is the holding company for Capitol Federal Savings Bank offering various retail banking products and services in the United States. The company is headquartered in Topeka, Kansas.
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