Arch Capital Group Ltd. (ACGL)vsHeritage Insurance Hldgs Inc (HRTG)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
HRTG
Heritage Insurance Hldgs Inc
$34.58
+0.14%
FINANCIAL SERVICES · Cap: $1.02B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2150% more annual revenue ($19.23B vs $854.63M). HRTG leads profitability with a 25.2% profit margin vs 24.4%. HRTG trades at a lower P/E of 4.8x. HRTG earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
HRTG
Strong Buy72
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
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Strong operational efficiency at 39.2%
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
3.0% revenue growth
Smaller company, higher risk/reward
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 : HRTG
The strongest argument for HRTG centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 25.2% and operating margin at 39.2%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : HRTG
The primary concerns for HRTG are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HRTG is a value play — different risk/reward profiles.
HRTG carries more volatility with a beta of 0.91 — expect wider price swings.
HRTG is growing revenue faster at 3.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
HRTG scores higher overall (72/100 vs 67/100), backed by strong 25.2% margins. 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.
Heritage Insurance Hldgs Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Heritage Insurance Holdings, Inc. provides residential personal and commercial insurance products. The company is headquartered in Clearwater, Florida.
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