Arch Capital Group Ltd. (ACGL)vsCentral Pacific Financial Corp (CPF)
ACGL
Arch Capital Group Ltd.
$96.89
+0.20%
FINANCIAL SERVICES · Cap: $33.47B
CPF
Central Pacific Financial Corp
$37.64
+0.78%
FINANCIAL SERVICES · Cap: $974.02M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 6573% more annual revenue ($19.23B vs $288.19M). CPF leads profitability with a 28.8% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. CPF earns a higher WallStSmart Score of 70/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
CPF
Strong Buy70
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
Strong operational efficiency at 36.8%
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
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, 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 : CPF
The strongest argument for CPF centers on Operating Margin, Profit Margin, Debt/Equity. Profitability is solid with margins at 28.8% and operating margin at 36.8%.
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 7.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
CPF scores higher overall (70/100 vs 67/100), backed by strong 28.8% 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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