Arch Capital Group Ltd (ACGL)vsLexinfintech Holdings Ltd (LX)
ACGL
Arch Capital Group Ltd
$94.70
+0.59%
FINANCIAL SERVICES · Cap: $33.14B
LX
Lexinfintech Holdings Ltd
$2.16
+3.85%
FINANCIAL SERVICES · Cap: $342.76M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 50% more annual revenue ($19.78B vs $13.15B). ACGL leads profitability with a 24.6% profit margin vs 12.8%. LX trades at a lower P/E of 1.5x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
LX
Hold46
out of 100
Grade: D+
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 21 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
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Smaller company, higher risk/reward
Revenue declined 16.8%
Earnings declined 39.8%
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 : LX
The strongest argument for LX centers on P/E Ratio, Price/Book, Debt/Equity.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : LX
The primary concerns for LX are Market Cap, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
LX carries more volatility with a beta of 0.81 — expect wider price swings.
ACGL is growing revenue faster at -3.3% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 46/100), backed by strong 24.6% margins. Both earn "Strong 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.
Lexinfintech Holdings Ltd
FINANCIAL SERVICES · CREDIT SERVICES · China
LexinFintech Holdings Ltd., is an online consumer finance and consumer platform for young professionals in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.
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