Arch Capital Group Ltd. (ACGL)vsOceanFirst Financial Corp. (OCFC)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
OCFC
OceanFirst Financial Corp.
$18.09
-0.82%
FINANCIAL SERVICES · Cap: $1.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3585% more annual revenue ($18.78B vs $509.64M). ACGL leads profitability with a 23.3% profit margin vs 9.2%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
OCFC
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 37.7%
Revenue surging 82.9% year-over-year
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Moderate valuation
Smaller company, higher risk/reward
ROE of 4.2% — below average capital efficiency
Earnings declined 44.0%
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 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : OCFC
The strongest argument for OCFC centers on Price/Book, Operating Margin, Revenue Growth. Revenue growth of 82.9% demonstrates continued momentum. PEG of 1.15 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : OCFC
The primary concerns for OCFC are P/E Ratio, Market Cap, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while OCFC is a hypergrowth play — different risk/reward profiles.
OCFC carries more volatility with a beta of 0.98 — expect wider price swings.
OCFC is growing revenue faster at 82.9% — sustainability is the question.
ACGL generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 64/100), backed by strong 23.3% 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.
OceanFirst Financial Corp.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OceanFirst Financial Corp. The company is headquartered in Red Bank, New Jersey.
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