WallStSmart

Arch Capital Group Ltd. (ACGL)vsOrigin Bancorp, Inc. (OBK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 5544% more annual revenue ($19.78B vs $350.40M). ACGL leads profitability with a 24.6% profit margin vs 23.0%. ACGL trades at a lower P/E of 7.2x. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

OBK

Buy

60

out of 100

Grade: C

Growth: 7.3Profit: 6.5Value: 5.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.04

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

OBK5 strengths · Avg: 9.4/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
38.5%10/10

Strong operational efficiency at 38.5%

Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

Profit MarginProfitability
23.0%9/10

Keeps 23 of every $100 in revenue as profit

EPS GrowthGrowth
25.4%8/10

Earnings expanding 25.4% YoY

Areas to Watch

ACGL2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

OBK3 concerns · Avg: 2.7/10
Market CapQuality
$1.60B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.4%3/10

ROE of 6.4% — below average capital efficiency

Altman Z-ScoreHealth
0.042/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : OBK

The strongest argument for OBK centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 23.0% and operating margin at 38.5%.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, Altman Z-Score.

Bear Case : OBK

The primary concerns for OBK are Market Cap, Return on Equity, Altman Z-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while OBK is a mature play — different risk/reward profiles.

OBK carries more volatility with a beta of 0.73 — expect wider price swings.

OBK is growing revenue faster at 9.3% — 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 60/100), backed by strong 24.6% 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.

Origin Bancorp, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Origin Bancorp, Inc. is a leading financial institution based in Ruston, Louisiana, offering a diverse range of banking and financial services tailored to meet the needs of both individuals and businesses. Through its wholly-owned subsidiary, Origin Bank, the company specializes in commercial banking, mortgage lending, and wealth management, underscoring its commitment to superior customer service and community engagement. With a strong emphasis on leveraging innovative technologies to improve client experiences and operational effectiveness, Origin Bancorp is strategically positioned to seize growth opportunities within the evolving financial services landscape.

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