Arch Capital Group Ltd. (ACGL)vsNorthern Trust Corporation (NTRS)
ACGL
Arch Capital Group Ltd.
$104.55
-1.81%
FINANCIAL SERVICES · Cap: $35.41B
NTRS
Northern Trust Corporation
$177.65
-1.77%
FINANCIAL SERVICES · Cap: $34.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 136% more annual revenue ($19.78B vs $8.36B). ACGL leads profitability with a 24.6% profit margin vs 22.4%. 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+
NTRS
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Strong operational efficiency at 31.7%
Keeps 22 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 42.6% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : NTRS
The strongest argument for NTRS centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 22.4% and operating margin at 31.7%. Revenue growth of 13.9% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : NTRS
The primary concerns for NTRS are Debt/Equity, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NTRS is a mature play — different risk/reward profiles.
NTRS carries more volatility with a beta of 1.26 — expect wider price swings.
NTRS is growing revenue faster at 13.9% — 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 76/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Strong 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.
Northern Trust Corporation
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Northern Trust Corporation is a financial services company headquartered in Chicago, Illinois that caters to corporations, institutional investors, and ultra high net worth individuals.
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