Arch Capital Group Ltd. (ACGL)vsFirst Internet Bancorp (INBK)
ACGL
Arch Capital Group Ltd.
$96.89
+0.20%
FINANCIAL SERVICES · Cap: $33.47B
INBK
First Internet Bancorp
$27.77
+0.47%
FINANCIAL SERVICES · Cap: $249.08M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 34773% more annual revenue ($19.23B vs $55.15M). ACGL leads profitability with a 24.4% profit margin vs -57.0%. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
INBK
Buy51
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 1.3B in free cash flow
Reasonable price relative to book value
Revenue surging 39.0% year-over-year
Earnings expanding 1250.0% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -9.3% — below average capital efficiency
Distress zone — elevated risk
Currently unprofitable
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 : INBK
The strongest argument for INBK centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 39.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : INBK
The primary concerns for INBK are Market Cap, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while INBK is a hypergrowth play — different risk/reward profiles.
INBK carries more volatility with a beta of 0.83 — expect wider price swings.
INBK is growing revenue faster at 39.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 51/100), 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.
First Internet Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Internet Bancorp is the banking holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and business customers in the United States. The company is headquartered in Fishers, Indiana.
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