Arch Capital Group Ltd. (ACGL)vsInternational Bancshares Corporation (IBOC)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
IBOC
International Bancshares Corporation
$76.66
-1.31%
FINANCIAL SERVICES · Cap: $4.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 2261% more annual revenue ($19.78B vs $837.62M). IBOC leads profitability with a 49.8% profit margin vs 24.6%. IBOC appears more attractively valued with a PEG of 0.98. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
IBOC
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 63.9%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : IBOC
The strongest argument for IBOC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 49.8% and operating margin at 63.9%. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : IBOC
The primary concerns for IBOC are Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while IBOC is a mature play — different risk/reward profiles.
IBOC carries more volatility with a beta of 0.69 — expect wider price swings.
IBOC is growing revenue faster at 5.4% — 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 71/100), backed by strong 24.6% 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.
International Bancshares Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
International Bancshares Corporation, a multi-bank financial holding company, provides commercial and retail banking services. The company is headquartered in Laredo, Texas.
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