Arch Capital Group Ltd. (ACGL)vsFirst Financial Bankshares Inc (FFIN)
ACGL
Arch Capital Group Ltd.
$94.52
-0.19%
FINANCIAL SERVICES · Cap: $33.09B
FFIN
First Financial Bankshares Inc
$32.39
-0.64%
FINANCIAL SERVICES · Cap: $4.64B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3079% more annual revenue ($19.78B vs $622.10M). FFIN leads profitability with a 42.4% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FFIN
Buy65
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 21 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 57.1%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. 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 : FFIN
The strongest argument for FFIN centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 42.4% and operating margin at 57.1%. Revenue growth of 13.1% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : FFIN
The primary concerns for FFIN are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FFIN is a mature play — different risk/reward profiles.
FFIN carries more volatility with a beta of 0.84 — expect wider price swings.
FFIN is growing revenue faster at 13.1% — 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 65/100), backed by strong 24.6% 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.
First Financial Bankshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Bankshares, Inc., offers commercial banking products and services in Texas. The company is headquartered in Abilene, Texas.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?