WallStSmart

Arch Capital Group Ltd. (ACGL)vsFigure Technology Solutions, Inc. Class A Common Stock (FIGR)

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Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 3006% more annual revenue ($19.23B vs $619.12M). FIGR leads profitability with a 38.3% profit margin vs 24.4%. ACGL trades at a lower P/E of 8.2x. FIGR earns a higher WallStSmart Score of 70/100 (B).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 6/9Altman Z: 1.48

FIGR

Strong Buy

70

out of 100

Grade: B

Growth: 10.0Profit: 8.0Value: 5.3Quality: 5.5
Piotroski: 3/9Altman Z: 1.53

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 8.7/10
P/E RatioValuation
8.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.75B8/10

Generating 1.7B in free cash flow

FIGR4 strengths · Avg: 10.0/10
Profit MarginProfitability
38.3%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
35.5%10/10

Strong operational efficiency at 35.5%

Revenue GrowthGrowth
120.8%10/10

Revenue surging 120.8% year-over-year

EPS GrowthGrowth
337.5%10/10

Earnings expanding 337.5% YoY

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

FIGR4 concerns · Avg: 3.5/10
P/E RatioValuation
25.1x4/10

Moderate valuation

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Debt/EquityHealth
1.043/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : FIGR

The strongest argument for FIGR centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 38.3% and operating margin at 35.5%. Revenue growth of 120.8% demonstrates continued momentum.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : FIGR

The primary concerns for FIGR are P/E Ratio, Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

ACGL profiles as a declining stock while FIGR is a growth play — different risk/reward profiles.

FIGR is growing revenue faster at 120.8% — sustainability is the question.

ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FIGR scores higher overall (70/100 vs 67/100), backed by strong 38.3% margins and 120.8% revenue growth. Both earn "Strong 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.

Figure Technology Solutions, Inc. Class A Common Stock

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Figure Technology Solutions, Inc. develops and operates a blockchain-based consumer lending platform. The company is headquartered in Reno, Nevada.

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