Arch Capital Group Ltd. (ACGL)vsChemung Financial Corp (CHMG)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
CHMG
Chemung Financial Corp
$71.03
+1.81%
FINANCIAL SERVICES · Cap: $342.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 20641% more annual revenue ($19.78B vs $95.35M). ACGL leads profitability with a 24.6% profit margin vs 19.2%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CHMG
Buy63
out of 100
Grade: C+
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
Strong operational efficiency at 41.5%
Earnings expanding 51.7% YoY
19.1% revenue growth
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 7.2% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
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 : CHMG
The strongest argument for CHMG centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.2% and operating margin at 41.5%. Revenue growth of 19.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CHMG
The primary concerns for CHMG are Market Cap, Return on Equity, Piotroski F-Score.
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 0.62 — expect wider price swings.
CHMG is growing revenue faster at 19.1% — 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 63/100), backed by strong 24.6% 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.
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.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?