Arch Capital Group Ltd (ACGL)vsGrupo Cibest S.A. (CIB)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
CIB
Grupo Cibest S.A.
$67.29
-2.05%
FINANCIAL SERVICES · Cap: $15.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Cibest S.A. generates 123911% more annual revenue ($24.71T vs $19.93B). ACGL leads profitability with a 22.1% profit margin vs 16.3%. CIB appears more attractively valued with a PEG of 0.43. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
CIB
Buy56
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
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.9T in free cash flow
Areas to Watch
No major concerns identified
Operating margin of 0.0%
Revenue declined 80.1%
Earnings declined 72.3%
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 : CIB
The strongest argument for CIB centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 16.3%. PEG of 0.43 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : CIB
The primary concerns for CIB are Operating Margin, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while CIB is a declining play — different risk/reward profiles.
CIB carries more volatility with a beta of 0.69 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
CIB generates stronger free cash flow (5.9T), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 56/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Grupo Cibest S.A.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bancolombia SA offers various banking products and services to individual and corporate clients in Colombia, Panama, Puerto Rico, El Salvador, Costa Rica and Guatemala. The company is headquartered in Medelln, Colombia.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?