Arch Capital Group Ltd. (ACGL)vsFirst Commonwealth Financial (FCF)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FCF
First Commonwealth Financial
$21.31
+0.28%
FINANCIAL SERVICES · Cap: $2.13B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3693% more annual revenue ($19.23B vs $507.07M). FCF leads profitability with a 33.2% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. FCF earns a higher WallStSmart Score of 75/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
FCF
Strong Buy75
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
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.4%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 37.5% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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 : FCF
The strongest argument for FCF centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 33.2% and operating margin at 45.4%. PEG of 1.46 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 : FCF
The primary concerns for FCF are Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FCF is a mature play — different risk/reward profiles.
FCF carries more volatility with a beta of 0.73 — expect wider price swings.
FCF is growing revenue faster at 9.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
FCF scores higher overall (75/100 vs 67/100), backed by strong 33.2% 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.
First Commonwealth Financial
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Commonwealth Financial Corporation, a financial holding company, provides a variety of consumer and commercial banking services to individuals and small and medium-sized businesses in the United States. The company is headquartered in Indiana, Pennsylvania.
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