WallStSmart

Arch Capital Group Ltd (ACGL)vsPinnacle Financial Partners, Inc. (PNFP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd generates 654% more annual revenue ($19.93B vs $2.64B). PNFP leads profitability with a 24.7% profit margin vs 22.1%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 81/100 (A-).

ACGL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 6.5
Piotroski: 5/9

PNFP

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 6.5Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.34

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
29.5%8/10

Strong operational efficiency at 29.5%

EPS GrowthGrowth
38.8%8/10

Earnings expanding 38.8% YoY

PNFP5 strengths · Avg: 9.4/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
46.9%10/10

Strong operational efficiency at 46.9%

Revenue GrowthGrowth
155.9%10/10

Revenue surging 155.9% year-over-year

Profit MarginProfitability
24.7%9/10

Keeps 25 of every $100 in revenue as profit

P/E RatioValuation
12.5x8/10

Attractively priced relative to earnings

Areas to Watch

ACGL0 concerns · Avg: 0/10

No major concerns identified

PNFP3 concerns · Avg: 2.3/10
Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

EPS GrowthGrowth
-49.7%2/10

Earnings declined 49.7%

Altman Z-ScoreHealth
0.342/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ACGL

The strongest argument for ACGL centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : PNFP

The strongest argument for PNFP centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.7% and operating margin at 46.9%. Revenue growth of 155.9% demonstrates continued momentum.

Bear Case : ACGL

No major red flags identified for ACGL, but monitor valuation.

Bear Case : PNFP

The primary concerns for PNFP are Return on Equity, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

ACGL profiles as a mature stock while PNFP is a growth play — different risk/reward profiles.

PNFP carries more volatility with a beta of 1.00 — expect wider price swings.

PNFP is growing revenue faster at 155.9% — sustainability is the question.

Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ACGL scores higher overall (81/100 vs 65/100), backed by strong 22.1% margins. Both earn "Exceptional 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.

Pinnacle Financial Partners, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Pinnacle Financial Partners, Inc., is the banking holding company for Pinnacle Bank offering various banking products and services in the United States. The company is headquartered in Nashville, Tennessee.

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