Arch Capital Group Ltd. (ACGL)vsCPI Card Group Inc (PMTS)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
PMTS
CPI Card Group Inc
$17.05
-3.73%
FINANCIAL SERVICES · Cap: $192.91M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3383% more annual revenue ($19.78B vs $567.88M). ACGL leads profitability with a 24.6% profit margin vs 2.1%. PMTS appears more attractively valued with a PEG of 0.57. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
PMTS
Hold46
out of 100
Grade: D+
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
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
19.8% revenue growth
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
2.1% margin — thin
Weak financial health signals
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 : PMTS
The strongest argument for PMTS centers on Debt/Equity, PEG Ratio, P/E Ratio. Revenue growth of 19.8% demonstrates continued momentum. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : PMTS
The primary concerns for PMTS are Market Cap, Return on Equity, Profit Margin. Thin 2.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PMTS is a growth play — different risk/reward profiles.
PMTS carries more volatility with a beta of 1.09 — expect wider price swings.
PMTS is growing revenue faster at 19.8% — 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 46/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Hold" 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.
CPI Card Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
CPI Card Group Inc. is dedicated to the design, production, data personalization, packaging and fulfillment of financial payment cards. The company is headquartered in Littleton, Colorado.
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