Arch Capital Group Ltd. (ACGL)vsNu Holdings Ltd (NU)
ACGL
Arch Capital Group Ltd.
$88.34
+0.58%
FINANCIAL SERVICES · Cap: $32.03B
NU
Nu Holdings Ltd
$11.62
-1.24%
FINANCIAL SERVICES · Cap: $57.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 160% more annual revenue ($19.78B vs $7.59B). NU leads profitability with a 41.9% profit margin vs 24.6%. NU appears more attractively valued with a PEG of 0.70. NU earns a higher WallStSmart Score of 84/100 (A-).
ACGL
Strong Buy79
out of 100
Grade: B+
NU
Exceptional Buy84
out of 100
Grade: A-
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 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Keeps 42 of every $100 in revenue as profit
Strong operational efficiency at 48.2%
Revenue surging 43.7% year-over-year
Earnings expanding 55.9% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
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, 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 : NU
The strongest argument for NU centers on Profit Margin, Operating Margin, Revenue Growth. Profitability is solid with margins at 41.9% and operating margin at 48.2%. Revenue growth of 43.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : NU
The primary concerns for NU are Piotroski F-Score, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while NU is a growth play — different risk/reward profiles.
NU carries more volatility with a beta of 0.95 — expect wider price swings.
NU is growing revenue faster at 43.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
NU scores higher overall (84/100 vs 79/100), backed by strong 41.9% margins and 43.7% revenue growth. Both earn "Exceptional 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.
Nu Holdings Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Nu Holdings Ltd. operates in the technology industry. The company is headquartered in Grand Cayman, Cayman Islands.
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