Arch Capital Group Ltd. (ACGL)vsCNFinance Holdings Ltd (CNF)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
CNF
CNFinance Holdings Ltd
$3.18
+0.95%
FINANCIAL SERVICES · Cap: $53.10M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates -5023% more annual revenue ($19.78B vs $-401.75M). ACGL leads profitability with a 24.6% profit margin vs 0.0%. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
CNF
Hold42
out of 100
Grade: D
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 113.5%
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
0.0% margin — thin
ROE of -1.6% — below average capital efficiency
Revenue declined 75.1%
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 : CNF
The strongest argument for CNF centers on Price/Book, Operating Margin.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : CNF
The primary concerns for CNF are Market Cap, Profit Margin, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CNF is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.31 — expect wider price swings.
ACGL is growing revenue faster at -3.3% — 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 42/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Hold" 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.
CNFinance Holdings Ltd
FINANCIAL SERVICES · MORTGAGE FINANCE · China
CNFinance Holdings Limited, offers home equity loan services in the People's Republic of China. The company is headquartered in Guangzhou, China.
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