Arch Capital Group Ltd. (ACGL)vsEnterprise Financial Services (EFSC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
EFSC
Enterprise Financial Services
$64.13
+0.33%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2664% more annual revenue ($19.23B vs $695.71M). EFSC leads profitability with a 27.4% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
EFSC
Buy63
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 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
Strong operational efficiency at 30.8%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
1.2% revenue growth
Earnings declined 19.9%
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 : EFSC
The strongest argument for EFSC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.4% and operating margin at 30.8%. PEG of 1.23 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 : EFSC
The primary concerns for EFSC are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while EFSC is a value play — different risk/reward profiles.
EFSC carries more volatility with a beta of 0.80 — expect wider price swings.
EFSC is growing revenue faster at 1.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 63/100), backed by strong 24.4% margins. Both earn "Strong 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.
Enterprise Financial Services
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Enterprise Financial Services Corp is the financial holding company of Enterprise Bank & Trust offering banking and wealth management services to individual and corporate clients. The company is headquartered in Clayton, Missouri.
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