Arch Capital Group Ltd. (ACGL)vsFinance of America Companies Inc (FOA)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
FOA
Finance of America Companies Inc
$24.80
+1.85%
FINANCIAL SERVICES · Cap: $204.20M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4277% more annual revenue ($19.78B vs $451.89M). ACGL leads profitability with a 24.6% profit margin vs 7.2%. ACGL trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
FOA
Hold48
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
7.2% margin — thin
Revenue declined 27.5%
Earnings declined 64.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : FOA
The strongest argument for FOA centers on P/E Ratio, Price/Book.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : FOA
The primary concerns for FOA are Market Cap, Profit Margin, Revenue Growth. Debt-to-equity of 88.46 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FOA is a value play — different risk/reward profiles.
FOA carries more volatility with a beta of 1.63 — expect wider price swings.
ACGL is growing revenue faster at -3.3% — 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 48/100), backed by strong 24.6% 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.
Finance of America Companies Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Finance of America Companies Inc. operates a consumer loan platform in the United States. The company is headquartered in Irving, Texas.
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