Arch Capital Group Ltd. (ACGL)vsF&G Annuities & Life Inc. (FG)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FG
F&G Annuities & Life Inc.
$23.05
-2.21%
FINANCIAL SERVICES · Cap: $3.13B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 217% more annual revenue ($19.23B vs $6.07B). ACGL leads profitability with a 24.4% profit margin vs 6.9%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FG
Hold47
out of 100
Grade: D+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.5B in free cash flow
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
4.2% revenue growth
6.9% margin — thin
Weak financial health signals
Earnings declined 64.2%
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 : FG
The strongest argument for FG centers on P/E Ratio, Price/Book, Free Cash Flow.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FG
The primary concerns for FG are Revenue Growth, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FG is a value play — different risk/reward profiles.
FG carries more volatility with a beta of 1.24 — expect wider price swings.
FG is growing revenue faster at 4.2% — sustainability is the question.
FG generates stronger free cash flow (1.5B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 47/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Hold" 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.
F&G Annuities & Life Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
FGL Holdings sells individual life and annuity insurance products in the United States. The company is headquartered in Des Moines, Iowa.
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