Arch Capital Group Ltd. (ACGL)vsMedallion Financial Corp (MFIN)
ACGL
Arch Capital Group Ltd.
$98.71
+0.69%
FINANCIAL SERVICES · Cap: $33.45B
MFIN
Medallion Financial Corp
$11.48
+0.44%
FINANCIAL SERVICES · Cap: $250.27M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5395% more annual revenue ($19.23B vs $349.97M). ACGL leads profitability with a 24.4% profit margin vs 9.3%. MFIN appears more attractively valued with a PEG of 0.77. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
MFIN
Buy61
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 2.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Growing faster than its price suggests
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
2.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
Earnings declined 32.6%
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 : MFIN
The strongest argument for MFIN centers on P/E Ratio, Price/Book, Operating Margin. PEG of 0.77 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : MFIN
The primary concerns for MFIN are Revenue Growth, Altman Z-Score, Market Cap.
Key Dynamics to Monitor
ACGL profiles as a declining stock while MFIN is a value play — different risk/reward profiles.
MFIN carries more volatility with a beta of 0.77 — expect wider price swings.
MFIN is growing revenue faster at 2.5% — sustainability is the question.
ACGL generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 61/100), 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.
Medallion Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Medallion Financial Corp. The company is headquartered in New York City, New York.
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