Arch Capital Group Ltd. (ACGL)vsLazard Ltd (LAZ)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
LAZ
Lazard Ltd
$41.10
-1.84%
FINANCIAL SERVICES · Cap: $4.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 501% more annual revenue ($19.23B vs $3.20B). ACGL leads profitability with a 24.4% profit margin vs 7.1%. LAZ appears more attractively valued with a PEG of 1.00. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
LAZ
Buy53
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
Every $100 of equity generates 31 in profit
Growing faster than its price suggests
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
0.1% revenue growth
7.1% margin — thin
Operating margin of 4.8%
Weak financial health signals
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 : LAZ
The strongest argument for LAZ centers on Return on Equity, PEG Ratio. PEG of 1.00 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : LAZ
The primary concerns for LAZ are Revenue Growth, Profit Margin, Operating Margin. Debt-to-equity of 2.35 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LAZ is a value play — different risk/reward profiles.
LAZ carries more volatility with a beta of 1.42 — expect wider price swings.
LAZ is growing revenue faster at 0.1% — 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 53/100), 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.
Lazard Ltd
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Lazard Ltd, is a financial advisory and asset management firm in North America, Europe, Asia, Australia, and Central and South America. The company is headquartered in Hamilton, Bermuda.
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