Arch Capital Group Ltd. (ACGL)vsFreedom Holding Corp (FRHC)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
FRHC
Freedom Holding Corp
$165.50
+1.70%
FINANCIAL SERVICES · Cap: $10.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 997% more annual revenue ($19.23B vs $1.75B). ACGL leads profitability with a 24.4% profit margin vs 8.4%. ACGL trades at a lower P/E of 7.7x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
FRHC
Avoid35
out of 100
Grade: F
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
Revenue surging 27.8% year-over-year
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
ROE of 0.2% — below average capital efficiency
Elevated debt levels
Premium valuation, high expectations priced in
Earnings declined 14.8%
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 : FRHC
The strongest argument for FRHC centers on Revenue Growth. Revenue growth of 27.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : FRHC
The primary concerns for FRHC are Return on Equity, Debt/Equity, P/E Ratio. A P/E of 67.5x leaves little room for execution misses. Debt-to-equity of 1.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while FRHC is a growth play — different risk/reward profiles.
FRHC carries more volatility with a beta of 0.69 — expect wider price swings.
FRHC is growing revenue faster at 27.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 35/100), backed by strong 24.4% margins. Both earn "Strong Buy" and "Avoid" 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.
Freedom Holding Corp
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Freedom Holding Corp. The company is headquartered in Almaty, Kazakhstan.
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