Arch Capital Group Ltd (ACGL)vsFirst Foundation Inc. (FFWM)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FFWM
First Foundation Inc.
$5.90
0.00%
FINANCIAL SERVICES · Cap: $489.26M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 11591% more annual revenue ($19.93B vs $170.47M). ACGL leads profitability with a 22.1% profit margin vs -91.0%. 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-
FFWM
Buy53
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Earnings expanding 700.0% YoY
Revenue surging 24.6% year-over-year
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
Elevated debt levels
Expensive relative to growth rate
ROE of -15.8% — 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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : FFWM
The strongest argument for FFWM centers on Price/Book, EPS Growth, Revenue Growth. Revenue growth of 24.6% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FFWM
The primary concerns for FFWM are Market Cap, Debt/Equity, PEG Ratio. Debt-to-equity of 1.76 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FFWM is a growth play — different risk/reward profiles.
FFWM carries more volatility with a beta of 0.93 — expect wider price swings.
FFWM is growing revenue faster at 24.6% — 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 53/100), backed by strong 22.1% margins. Both earn "Exceptional 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 Foundation Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Foundation Inc. provides personal banking, commercial banking and private wealth management services in the United States. The company is headquartered in Dallas, Texas.
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