Arch Capital Group Ltd (ACGL)vsDonegal Group A Inc (DGICA)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
DGICA
Donegal Group A Inc
$16.82
-4.59%
FINANCIAL SERVICES · Cap: $656.06M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 1938% more annual revenue ($19.93B vs $978.01M). ACGL leads profitability with a 22.1% profit margin vs 8.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
DGICA
Buy53
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
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 3.9%
Earnings declined 33.3%
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : DGICA
The strongest argument for DGICA centers on P/E Ratio, Price/Book, Debt/Equity. PEG of 1.38 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : DGICA
The primary concerns for DGICA are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while DGICA is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.38 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 53/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Donegal Group A Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Donegal Group Inc., an insurance company, offers personal and commercial property and casualty lines of insurance to businesses and individuals in the Mid-Atlantic, Midwest, New England and southern states. The company is headquartered in Marietta, Pennsylvania.
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