Arch Capital Group Ltd. (ACGL)vsIndependent Bank (INDB)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
INDB
Independent Bank
$82.72
-0.64%
FINANCIAL SERVICES · Cap: $3.78B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1825% more annual revenue ($19.23B vs $998.92M). INDB leads profitability with a 32.7% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. INDB earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
INDB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 49.2%
Earnings expanding 176.9% YoY
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
ROE of 6.8% — below average capital efficiency
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : INDB
The strongest argument for INDB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.7% and operating margin at 49.2%. Revenue growth of 24.5% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : INDB
The primary concerns for INDB are Return on Equity, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
ACGL profiles as a declining stock while INDB is a growth play — different risk/reward profiles.
INDB carries more volatility with a beta of 0.80 — expect wider price swings.
INDB is growing revenue faster at 24.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
INDB scores higher overall (73/100 vs 67/100), backed by strong 32.7% margins and 24.5% revenue growth. 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.
Independent Bank
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Independent Bank Corp. The company is headquartered in Rockland, Massachusetts.
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