Arch Capital Group Ltd. (ACGL)vsFidelity National Financial Inc (FNF)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FNF
Fidelity National Financial Inc
$44.13
+0.41%
FINANCIAL SERVICES · Cap: $11.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 25% more annual revenue ($19.23B vs $15.35B). ACGL leads profitability with a 24.4% profit margin vs 5.0%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 70/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FNF
Strong Buy70
out of 100
Grade: B-
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
5.0% margin — thin
Weak financial health signals
Distress zone — elevated risk
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 : FNF
The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FNF is a value play — different risk/reward profiles.
FNF carries more volatility with a beta of 0.98 — expect wider price swings.
FNF is growing revenue faster at 10.5% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
FNF scores higher overall (70/100 vs 67/100) and 10.5% 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.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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