Arch Capital Group Ltd (ACGL)vsLoandepot Inc (LDI)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
LDI
Loandepot Inc
$1.55
+2.65%
FINANCIAL SERVICES · Cap: $839.42M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 1523% more annual revenue ($19.93B vs $1.23B). ACGL leads profitability with a 22.1% profit margin vs -5.1%. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
LDI
Hold37
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Revenue surging 70.1% year-over-year
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of -24.1% — below average capital efficiency
Earnings declined 98.8%
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : LDI
The strongest argument for LDI centers on Price/Book, Revenue Growth. Revenue growth of 70.1% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : LDI
The primary concerns for LDI are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a mature stock while LDI is a hypergrowth play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.22 — expect wider price swings.
LDI is growing revenue faster at 70.1% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 37/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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.
Loandepot Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
LoanDepot, Inc. is dedicated to the origination and servicing of conventional and government mortgage loans in the United States. The company is headquartered in Foothill Ranch, California.
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