WallStSmart

Arch Capital Group Ltd. (ACGL)vsHome Bancorp Inc (HBCP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 13033% more annual revenue ($19.78B vs $150.59M). HBCP leads profitability with a 30.8% profit margin vs 24.6%. ACGL trades at a lower P/E of 7.0x. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

HBCP

Buy

60

out of 100

Grade: C+

Growth: 6.7Profit: 7.5Value: 6.7Quality: 6.3
Piotroski: 7/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

HBCP5 strengths · Avg: 9.8/10
P/E RatioValuation
11.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.8%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
40.5%10/10

Strong operational efficiency at 40.5%

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

Areas to Watch

ACGL2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

HBCP1 concerns · Avg: 3.0/10
Market CapQuality
$513.54M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull 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 : HBCP

The strongest argument for HBCP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.8% and operating margin at 40.5%.

Bear Case : ACGL

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

Bear Case : HBCP

The primary concerns for HBCP are Market Cap.

Key Dynamics to Monitor

ACGL profiles as a declining stock while HBCP is a mature play — different risk/reward profiles.

HBCP carries more volatility with a beta of 0.51 — expect wider price swings.

HBCP is growing revenue faster at 5.5% — 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 60/100), 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.

Home Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Home Bancorp, Inc. is the banking holding company for Home Bank, a National Association offering various banking products and services in Louisiana and Mississippi. The company is headquartered in Lafayette, Louisiana.

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