Arch Capital Group Ltd. (ACGL)vsInter & Co. Inc. Class A Common Shares (INTR)
ACGL
Arch Capital Group Ltd.
$98.71
+0.69%
FINANCIAL SERVICES · Cap: $33.45B
INTR
Inter & Co. Inc. Class A Common Shares
$5.19
-0.57%
FINANCIAL SERVICES · Cap: $2.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 189% more annual revenue ($19.23B vs $6.66B). ACGL leads profitability with a 24.4% profit margin vs 22.9%. ACGL trades at a lower P/E of 7.6x. INTR earns a higher WallStSmart Score of 75/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
INTR
Strong Buy75
out of 100
Grade: B+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 23 of every $100 in revenue as profit
Strong operational efficiency at 29.7%
Revenue surging 23.8% year-over-year
Earnings expanding 32.4% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Negative free cash flow — burning cash
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 : INTR
The strongest argument for INTR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.9% and operating margin at 29.7%. Revenue growth of 23.8% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : INTR
The primary concerns for INTR are Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while INTR is a growth play — different risk/reward profiles.
INTR carries more volatility with a beta of 0.96 — expect wider price swings.
INTR is growing revenue faster at 23.8% — sustainability is the question.
ACGL generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
INTR scores higher overall (75/100 vs 67/100), backed by strong 22.9% margins and 23.8% 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.
Inter & Co. Inc. Class A Common Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Inter & Co. Inc. (ticker: INTR) is a prominent financial services firm in Brazil, distinguished by its innovative solutions in retail and investment banking, as well as wealth management. The company's mission centers around promoting financial inclusion, utilizing cutting-edge technology to improve customer experiences and extend banking access to underserved communities. With a strong focus on digital transformation and operational efficiency, Inter & Co. is well-positioned to capitalize on growth prospects in Brazil's evolving financial sector, rendering it an appealing investment for institutional investors seeking opportunities in emerging markets.
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