Arch Capital Group Ltd. (ACGL)vsChemung Financial Corp (CHMG)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
CHMG
Chemung Financial Corp
$85.69
-0.22%
FINANCIAL SERVICES · Cap: $415.95M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 15058% more annual revenue ($18.78B vs $123.88M). CHMG leads profitability with a 31.0% profit margin vs 23.3%. ACGL trades at a lower P/E of 8.8x. CHMG earns a higher WallStSmart Score of 70/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
CHMG
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 48.6%
Earnings expanding 62.1% YoY
Reasonable price relative to book value
Revenue surging 24.8% year-over-year
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : CHMG
The strongest argument for CHMG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 48.6%. Revenue growth of 24.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CHMG is a growth play — different risk/reward profiles.
CHMG carries more volatility with a beta of 0.59 — expect wider price swings.
CHMG is growing revenue faster at 24.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
CHMG scores higher overall (70/100 vs 67/100), backed by strong 31.0% margins and 24.8% 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.
Chemung Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Chemung Financial Corporation is the holding company of Chemung Canal Trust Company providing a range of banking, finance, trust and other financial services. The company is headquartered in Elmira, New York.
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