Arch Capital Group Ltd. (ACGL)vsLincoln National Corporation (LNC)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
LNC
Lincoln National Corporation
$34.74
+2.06%
FINANCIAL SERVICES · Cap: $7.13B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5% more annual revenue ($19.78B vs $18.83B). ACGL leads profitability with a 24.6% profit margin vs 9.2%. LNC appears more attractively valued with a PEG of 1.01. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
LNC
Buy63
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
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
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Weak financial health signals
Earnings declined 60.7%
Operating margin of -4.1%
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 : LNC
The strongest argument for LNC centers on P/E Ratio, Price/Book. Revenue growth of 12.5% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : LNC
The primary concerns for LNC are Piotroski F-Score, EPS Growth, Operating Margin.
Key Dynamics to Monitor
ACGL profiles as a declining stock while LNC is a value play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.17 — expect wider price swings.
LNC is growing revenue faster at 12.5% — 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 63/100), backed by strong 24.6% 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.
Lincoln National Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.
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