Arch Capital Group Ltd. (ACGL)vsCentral Pacific Financial Corp (CPF)
ACGL
Arch Capital Group Ltd.
$99.09
-0.43%
FINANCIAL SERVICES · Cap: $34.28B
CPF
Central Pacific Financial Corp
$39.68
-0.78%
FINANCIAL SERVICES · Cap: $1.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6697% more annual revenue ($19.23B vs $282.94M). CPF leads profitability with a 28.4% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. CPF earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
CPF
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
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Strong operational efficiency at 38.1%
Keeps 28 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 20.0% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. 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 : CPF
The strongest argument for CPF centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.4% and operating margin at 38.1%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : CPF
The primary concerns for CPF are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while CPF is a mature play — different risk/reward profiles.
CPF carries more volatility with a beta of 0.83 — expect wider price swings.
CPF is growing revenue faster at 9.2% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CPF scores higher overall (72/100 vs 67/100), backed by strong 28.4% margins. 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.
Central Pacific Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Central Pacific Financial Corp. The company is headquartered in Honolulu, Hawaii.
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