WallStSmart

Arch Capital Group Ltd. (ACGL)vsGalaxy Digital Holdings Ltd (GLXY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Galaxy Digital Holdings Ltd generates 203% more annual revenue ($58.37B vs $19.23B). ACGL leads profitability with a 24.4% profit margin vs -0.4%. ACGL earns a higher WallStSmart Score of 67/100 (B-).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

GLXY

Hold

44

out of 100

Grade: D

Growth: 3.0Profit: 6.0Value: 5.0Quality: 6.0
Piotroski: 2/9Altman Z: 6.17

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$1.31B8/10

Generating 1.3B in free cash flow

GLXY3 strengths · Avg: 9.3/10
Operating MarginProfitability
96.2%10/10

Strong operational efficiency at 96.2%

Altman Z-ScoreHealth
6.1710/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

GLXY4 concerns · Avg: 2.5/10
Debt/EquityHealth
1.793/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-5.5%2/10

ROE of -5.5% — below average capital efficiency

Revenue GrowthGrowth
-3.8%2/10

Revenue declined 3.8%

Comparative Analysis Report

WallStSmart Research

Bull 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 : GLXY

The strongest argument for GLXY centers on Operating Margin, Altman Z-Score, Price/Book.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : GLXY

The primary concerns for GLXY are Debt/Equity, Piotroski F-Score, Return on Equity. Debt-to-equity of 1.79 is elevated, increasing financial risk.

Key Dynamics to Monitor

ACGL profiles as a declining stock while GLXY is a turnaround play — different risk/reward profiles.

GLXY carries more volatility with a beta of 3.68 — expect wider price swings.

GLXY is growing revenue faster at -3.8% — 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 44/100), backed by strong 24.4% 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.

Galaxy Digital Holdings Ltd

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Galaxy Digital Inc. engages in the digital asset and data center infrastructure businesses. The company is headquartered in New York, New York with offices across North America, Europe, the Middle East and Asia.

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