Arch Capital Group Ltd. (ACGL)vsFlagstar Financial, Inc. (FLG)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
FLG
Flagstar Financial, Inc.
$14.02
-0.64%
FINANCIAL SERVICES · Cap: $6.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 906% more annual revenue ($19.78B vs $1.97B). ACGL leads profitability with a 24.6% profit margin vs -2.9%. FLG appears more attractively valued with a PEG of 0.47. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 21.2% year-over-year
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
0.0% earnings growth
Elevated debt levels
ROE of -0.7% — below average capital efficiency
Negative free cash flow — burning cash
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 : 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
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FLG
The primary concerns for FLG are EPS Growth, Debt/Equity, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FLG is a growth play — different risk/reward profiles.
FLG carries more volatility with a beta of 1.03 — expect wider price swings.
FLG is growing revenue faster at 21.2% — 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 59/100), 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.
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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