Arch Capital Group Ltd. (ACGL)vsNokia Corp ADR (NOK)
ACGL
Arch Capital Group Ltd.
$93.80
-0.76%
FINANCIAL SERVICES · Cap: $33.09B
NOK
Nokia Corp ADR
$12.35
-6.37%
TECHNOLOGY · Cap: $74.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Nokia Corp ADR generates 1% more annual revenue ($20.00B vs $19.78B). ACGL leads profitability with a 24.6% profit margin vs 4.0%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
NOK
Hold40
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ACGL.
Margin of Safety
+16.7%
Fair Value
$8.81
Current Price
$12.35
$3.54 discount
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
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Revenue declined 3.3%
2.4% revenue growth
Distress zone — elevated risk
ROE of 3.7% — below average capital efficiency
4.0% margin — thin
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 : NOK
The strongest argument for NOK centers on Market Cap, Debt/Equity, Price/Book. PEG of 1.15 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : NOK
The primary concerns for NOK are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 83.1x leaves little room for execution misses. Thin 4.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NOK is a value play — different risk/reward profiles.
NOK carries more volatility with a beta of 0.77 — expect wider price swings.
NOK is growing revenue faster at 2.4% — 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 40/100), backed by strong 24.6% margins. NOK offers better value entry with a 16.7% margin of safety. 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.
Nokia Corp ADR
TECHNOLOGY · COMMUNICATION EQUIPMENT · USA
Nokia Corporation offers fixed and mobile network solutions globally. The company is headquartered in Espoo, Finland.
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