Arch Capital Group Ltd. (ACGL)vsGrupo Cibest S.A. (CIB)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
CIB
Grupo Cibest S.A.
$70.88
-2.00%
FINANCIAL SERVICES · Cap: $17.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Cibest S.A. generates 124864% more annual revenue ($24.71T vs $19.78B). ACGL leads profitability with a 24.6% profit margin vs 14.7%. CIB appears more attractively valued with a PEG of 0.43. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CIB
Buy60
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 368.4B in free cash flow
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Operating margin of 0.0%
Earnings declined 15.0%
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 : CIB
The strongest argument for CIB centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.8% demonstrates continued momentum. PEG of 0.43 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CIB
The primary concerns for CIB are Operating Margin, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CIB is a value play — different risk/reward profiles.
CIB carries more volatility with a beta of 0.47 — expect wider price swings.
CIB is growing revenue faster at 10.8% — sustainability is the question.
CIB generates stronger free cash flow (368.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 60/100), 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.
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.
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