Arch Capital Group Ltd (ACGL)vsProAssurance Corporation (PRA)
ACGL
Arch Capital Group Ltd
$94.70
+0.59%
FINANCIAL SERVICES · Cap: $33.14B
PRA
ProAssurance Corporation
$24.60
-0.24%
FINANCIAL SERVICES · Cap: $1.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 1683% more annual revenue ($19.78B vs $1.11B). ACGL leads profitability with a 24.6% profit margin vs 4.6%. PRA appears more attractively valued with a PEG of 0.78. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
PRA
Buy65
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 21 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 105.2% YoY
Growing faster than its price suggests
Strong operational efficiency at 20.3%
Areas to Watch
Revenue declined 3.3%
Smaller company, higher risk/reward
ROE of 4.0% — below average capital efficiency
4.6% margin — thin
Revenue declined 4.1%
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 : PRA
The strongest argument for PRA centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.78 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth.
Bear Case : PRA
The primary concerns for PRA are Market Cap, Return on Equity, Profit Margin. Thin 4.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while PRA is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.38 — expect wider price swings.
ACGL is growing revenue faster at -3.3% — 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 65/100), backed by strong 24.6% 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.
ProAssurance Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
ProAssurance Corporation, offers property and casualty insurance and reinsurance products in the United States. The company is headquartered in Birmingham, Alabama.
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