Arch Capital Group Ltd. (ACGL)vsHorizon Technology Finance (HRZN)
ACGL
Arch Capital Group Ltd.
$97.06
-1.02%
FINANCIAL SERVICES · Cap: $32.74B
HRZN
Horizon Technology Finance
$4.73
-4.11%
FINANCIAL SERVICES · Cap: $288.06M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 20591% more annual revenue ($19.78B vs $95.58M). ACGL leads profitability with a 24.6% profit margin vs 22.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
HRZN
Buy63
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 72.3%
Earnings expanding 241.7% YoY
Keeps 23 of every $100 in revenue as profit
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 6.5% — below average capital efficiency
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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 : HRZN
The strongest argument for HRZN centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 22.6% and operating margin at 72.3%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : HRZN
The primary concerns for HRZN are PEG Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
HRZN carries more volatility with a beta of 0.98 — expect wider price swings.
HRZN is growing revenue faster at -1.8% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 63/100), 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.
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.
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