Arch Capital Group Ltd. (ACGL)vsEastern Bankshares Inc (EBC)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
EBC
Eastern Bankshares Inc
$23.04
-2.17%
FINANCIAL SERVICES · Cap: $4.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1815% more annual revenue ($19.78B vs $1.03B). EBC leads profitability with a 35.9% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
EBC
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 45.9%
Revenue surging 32.8% year-over-year
Earnings expanding 54.1% YoY
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : EBC
The strongest argument for EBC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 35.9% and operating margin at 45.9%. Revenue growth of 32.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : EBC
The primary concerns for EBC are Piotroski F-Score, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while EBC is a growth play — different risk/reward profiles.
EBC carries more volatility with a beta of 0.68 — expect wider price swings.
EBC is growing revenue faster at 32.8% — 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 71/100), backed by strong 24.6% 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.
Eastern Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Eastern Bankshares, Inc. is the banking holding company for Eastern Bank offering commercial banking products and services primarily to retail, commercial and small business clients. The company is headquartered in Boston, Massachusetts.
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