Arch Capital Group Ltd. (ACGL)vsPeoples Fin (PFIS)
ACGL
Arch Capital Group Ltd.
$92.36
-2.90%
FINANCIAL SERVICES · Cap: $33.06B
PFIS
Peoples Fin
$67.36
-2.04%
FINANCIAL SERVICES · Cap: $674.30M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 9984% more annual revenue ($19.23B vs $190.72M). PFIS leads profitability with a 29.8% profit margin vs 24.4%. 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-
PFIS
Buy61
out of 100
Grade: C+
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
Reasonable price relative to book value
Strong operational efficiency at 42.1%
Keeps 30 of every $100 in revenue as profit
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
0.7% revenue growth
Smaller company, higher risk/reward
Earnings declined 12.0%
Distress zone — elevated risk
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 : PFIS
The strongest argument for PFIS centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 42.1%. PEG of 1.31 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 : PFIS
The primary concerns for PFIS are Revenue Growth, Market Cap, EPS Growth.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PFIS is a value play — different risk/reward profiles.
PFIS carries more volatility with a beta of 0.72 — expect wider price swings.
PFIS is growing revenue faster at 0.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 61/100), backed by strong 24.4% 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.
Peoples Fin
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Financial Services Corp. The company is headquartered in Scranton, Pennsylvania.
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