Arch Capital Group Ltd. (ACGL)vsNI Holdings Inc (NODK)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
NODK
NI Holdings Inc
$15.12
+1.54%
FINANCIAL SERVICES · Cap: $304.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7092% more annual revenue ($19.23B vs $267.39M). ACGL leads profitability with a 24.4% profit margin vs 2.9%. ACGL trades at a lower P/E of 8.2x. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
NODK
Hold41
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Earnings expanding 94.9% YoY
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Premium valuation, high expectations priced in
Distress zone — elevated risk
Smaller company, higher risk/reward
2.9% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth, Debt/Equity.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : NODK
The primary concerns for NODK are P/E Ratio, Altman Z-Score, Market Cap. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NODK is a value play — different risk/reward profiles.
NODK carries more volatility with a beta of 0.31 — expect wider price swings.
NODK is growing revenue faster at -7.7% — 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 41/100), backed by strong 24.4% 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.
NI Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company is headquartered in Fargo, North Dakota.
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