Arch Capital Group Ltd. (ACGL)vsOld Republic International Corp (ORI)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
ORI
Old Republic International Corp
$40.96
+0.29%
FINANCIAL SERVICES · Cap: $9.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 98% more annual revenue ($19.23B vs $9.72B). ACGL leads profitability with a 24.4% profit margin vs 11.7%. ACGL appears more attractively valued with a PEG of 1.06. ORI earns a higher WallStSmart Score of 76/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
ORI
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Attractively priced relative to earnings
Earnings expanding 61.7% YoY
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : ORI
The strongest argument for ORI centers on P/E Ratio, EPS Growth, Price/Book. Revenue growth of 13.4% demonstrates continued momentum. PEG of 1.39 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 : ORI
No major red flags identified for ORI, but monitor valuation.
Key Dynamics to Monitor
ACGL profiles as a declining stock while ORI is a value play — different risk/reward profiles.
ORI carries more volatility with a beta of 0.61 — expect wider price swings.
ORI is growing revenue faster at 13.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ORI scores higher overall (76/100 vs 67/100) and 13.4% revenue growth. 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.
Old Republic International Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.
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