Arch Capital Group Ltd. (ACGL)vsFlushing Financial Corporation (FFIC)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
FFIC
Flushing Financial Corporation
$15.47
-3.13%
FINANCIAL SERVICES · Cap: $522.49M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 8359% more annual revenue ($19.23B vs $227.37M). ACGL leads profitability with a 24.4% profit margin vs 15.2%. 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-
FFIC
Buy58
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
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
2.3% revenue growth
0.2% earnings growth
Smaller company, higher risk/reward
ROE of 5.0% — below average capital efficiency
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 : FFIC
The strongest argument for FFIC centers on Price/Book, P/E Ratio. Profitability is solid with margins at 15.2% and operating margin at 16.8%. PEG of 1.34 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 : FFIC
The primary concerns for FFIC are Revenue Growth, EPS Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FFIC is a value play — different risk/reward profiles.
FFIC carries more volatility with a beta of 0.76 — expect wider price swings.
FFIC is growing revenue faster at 2.3% — 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 58/100), 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.
Flushing Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Flushing Financial Corporation is the banking holding company for Flushing Bank offering banking products and services primarily to consumers, businesses and government units. The company is headquartered in Uniondale, New York.
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