Arch Capital Group Ltd. (ACGL)vsCNO Financial Group Inc (CNO)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
CNO
CNO Financial Group Inc
$54.94
-0.16%
FINANCIAL SERVICES · Cap: $5.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 314% more annual revenue ($19.23B vs $4.65B). ACGL leads profitability with a 24.4% profit margin vs 6.0%. ACGL appears more attractively valued with a PEG of 1.06. CNO earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
CNO
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
Earnings expanding 46.2% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
6.0% margin — thin
Elevated debt levels
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 : CNO
The strongest argument for CNO centers on Price/Book, EPS Growth. Revenue growth of 11.6% demonstrates continued momentum. PEG of 1.29 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CNO
The primary concerns for CNO are Profit Margin, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.76 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CNO is a value play — different risk/reward profiles.
CNO carries more volatility with a beta of 0.81 — expect wider price swings.
CNO is growing revenue faster at 11.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CNO scores higher overall (72/100 vs 67/100) and 11.6% 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.
CNO Financial Group Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
CNO Financial Group, Inc. develops, markets, and manages health insurance, annuities, individual life insurance, and other insurance products for the middle-income and senior markets in the United States. The company is headquartered in Carmel, Indiana.
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