Arch Capital Group Ltd. (ACGL)vsChemung Financial Corp (CHMG)
ACGL
Arch Capital Group Ltd.
$95.16
+0.22%
FINANCIAL SERVICES · Cap: $33.06B
CHMG
Chemung Financial Corp
$81.22
-0.91%
FINANCIAL SERVICES · Cap: $410.31M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 16336% more annual revenue ($19.23B vs $117.01M). CHMG leads profitability with a 28.7% profit margin vs 24.4%. ACGL trades at a lower P/E of 7.6x. CHMG earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
CHMG
Strong Buy72
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
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 37.9%
Revenue surging 241.7% year-over-year
Earnings expanding 51.7% YoY
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
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, 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 : CHMG
The strongest argument for CHMG centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 28.7% and operating margin at 37.9%. Revenue growth of 241.7% 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, Altman Z-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 0.59 — expect wider price swings.
CHMG is growing revenue faster at 241.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CHMG scores higher overall (72/100 vs 67/100), backed by strong 28.7% margins and 241.7% 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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