Arch Capital Group Ltd (ACGL)vsFirst Citizens BancShares Inc (FCNCA)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FCNCA
First Citizens BancShares Inc
$1,983.82
+0.58%
FINANCIAL SERVICES · Cap: $22.92B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 118% more annual revenue ($19.93B vs $9.14B). FCNCA leads profitability with a 24.7% profit margin vs 22.1%. 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-
FCNCA
Strong Buy73
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 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
Strong operational efficiency at 34.2%
Keeps 25 of every $100 in revenue as profit
Earnings expanding 23.6% YoY
Areas to Watch
No major concerns identified
4.9% revenue growth
Weak financial health signals
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FCNCA
The strongest argument for FCNCA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.7% and operating margin at 34.2%. PEG of 1.22 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FCNCA
The primary concerns for FCNCA are Revenue Growth, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FCNCA is a value play — different risk/reward profiles.
FCNCA carries more volatility with a beta of 0.65 — 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 73/100), backed by strong 22.1% margins. Both earn "Exceptional 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 Citizens BancShares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Citizens BancShares, Inc. is the parent company of First-Citizens Bank & Trust Company providing retail and business banking services to individuals, businesses and professionals. The company is headquartered in Raleigh, North Carolina.
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