Arch Capital Group Ltd. (ACGL)vsHorizon Technology Finance (HRZN)
ACGL
Arch Capital Group Ltd.
$98.71
+0.69%
FINANCIAL SERVICES · Cap: $33.45B
HRZN
Horizon Technology Finance
$5.01
-1.96%
FINANCIAL SERVICES · Cap: $311.04M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 19911% more annual revenue ($19.23B vs $96.11M). ACGL leads profitability with a 24.4% profit margin vs 5.3%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
HRZN
Buy58
out of 100
Grade: C
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 2.5B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 79.4%
Earnings expanding 241.7% YoY
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
2.1% revenue growth
Smaller company, higher risk/reward
ROE of 6.5% — below average capital efficiency
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 : HRZN
The strongest argument for HRZN centers on Price/Book, Operating Margin, EPS Growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : HRZN
The primary concerns for HRZN are PEG Ratio, Revenue Growth, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while HRZN is a value play — different risk/reward profiles.
HRZN carries more volatility with a beta of 0.96 — expect wider price swings.
HRZN is growing revenue faster at 2.1% — sustainability is the question.
ACGL generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 58/100), backed by strong 24.4% 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.
Horizon Technology Finance
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Horizon Technology Finance (HRZN) is a leading specialty finance company dedicated to providing structured debt solutions to growth-stage, venture capital-backed businesses across the technology, life sciences, and sustainability sectors. The firm offers tailored financing options, encompassing both debt capital and equity co-investments, which empower its clients to enhance growth and foster innovation. HRZN's disciplined investment strategy is designed to identify and leverage high-quality opportunities that yield strong risk-adjusted returns, solidifying its position as a key player in advancing technology and sustainability within an ever-evolving market.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?