Arch Capital Group Ltd. (ACGL)vsChicago Atlantic BDC, Inc. (LIEN)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
LIEN
Chicago Atlantic BDC, Inc.
$10.14
-0.34%
FINANCIAL SERVICES · Cap: $235.74M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 31968% more annual revenue ($19.23B vs $59.97M). LIEN leads profitability with a 52.8% profit margin vs 24.4%. LIEN trades at a lower P/E of 7.4x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
LIEN
Buy56
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 53 of every $100 in revenue as profit
Strong operational efficiency at 62.0%
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Earnings declined 29.4%
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 : LIEN
The strongest argument for LIEN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 52.8% and operating margin at 62.0%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : LIEN
The primary concerns for LIEN are Market Cap, Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LIEN is a mature play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.28 — expect wider price swings.
LIEN is growing revenue faster at 6.8% — 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 56/100), 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.
Chicago Atlantic BDC, Inc.
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Silver Spike Investment Corp. The company is headquartered in New York, New York.
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