Arch Capital Group Ltd (ACGL)vsFlagstar Financial, Inc. (FLG)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
FLG
Flagstar Financial, Inc.
$13.97
+1.16%
FINANCIAL SERVICES · Cap: $5.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 914% more annual revenue ($19.93B vs $1.97B). ACGL leads profitability with a 22.1% profit margin vs -2.9%. FLG appears more attractively valued with a PEG of 0.47. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
FLG
Buy59
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
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 21.2% year-over-year
Areas to Watch
No major concerns identified
0.0% earnings growth
ROE of -0.7% — below average capital efficiency
Negative free cash flow — burning cash
Currently unprofitable
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 : FLG
The strongest argument for FLG centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 21.2% demonstrates continued momentum. PEG of 0.47 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : FLG
The primary concerns for FLG are EPS Growth, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a mature stock while FLG is a growth play — different risk/reward profiles.
FLG carries more volatility with a beta of 1.02 — expect wider price swings.
FLG is growing revenue faster at 21.2% — 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 59/100), 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.
Flagstar Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Flagstar Financial, Inc. is the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company is headquartered in Hicksville, New York.
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