Arch Capital Group Ltd. (ACGL)vsLoandepot Inc (LDI)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
LDI
Loandepot Inc
$1.18
-5.60%
FINANCIAL SERVICES · Cap: $765.32M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1504% more annual revenue ($19.78B vs $1.23B). ACGL leads profitability with a 24.6% profit margin vs -6.3%. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
LDI
Avoid29
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
1.7% revenue growth
Smaller company, higher risk/reward
ROE of -38.3% — below average capital efficiency
Earnings declined 98.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 25.3%. 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.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : LDI
The primary concerns for LDI are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 25.32 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LDI is a turnaround play — different risk/reward profiles.
LDI carries more volatility with a beta of 3.04 — expect wider price swings.
LDI is growing revenue faster at 1.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 29/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Avoid" 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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