Arch Capital Group Ltd. (ACGL)vsPinnacle Financial Partners, Inc. (PNFP)
ACGL
Arch Capital Group Ltd.
$97.95
+1.94%
FINANCIAL SERVICES · Cap: $33.47B
PNFP
Pinnacle Financial Partners, Inc.
$99.27
+0.13%
FINANCIAL SERVICES · Cap: $15.22B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 482% more annual revenue ($19.23B vs $3.30B). PNFP leads profitability with a 24.9% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. PNFP earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
PNFP
Strong Buy72
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
Reasonable price relative to book value
Strong operational efficiency at 47.0%
Revenue surging 137.0% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
3.5% earnings growth
ROE of 5.5% — below average capital efficiency
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 : PNFP
The strongest argument for PNFP centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.9% and operating margin at 47.0%. Revenue growth of 137.0% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : PNFP
The primary concerns for PNFP are EPS Growth, Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PNFP is a growth play — different risk/reward profiles.
PNFP carries more volatility with a beta of 1.01 — expect wider price swings.
PNFP is growing revenue faster at 137.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
PNFP scores higher overall (72/100 vs 67/100), backed by strong 24.9% margins and 137.0% 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.
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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