Arch Capital Group Ltd. (ACGL)vsReinsurance Group of America (RGA)
ACGL
Arch Capital Group Ltd.
$88.34
-0.17%
FINANCIAL SERVICES · Cap: $32.03B
RGA
Reinsurance Group of America
$204.96
+3.53%
FINANCIAL SERVICES · Cap: $13.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Reinsurance Group of America generates 26% more annual revenue ($24.93B vs $19.78B). ACGL leads profitability with a 24.6% profit margin vs 4.9%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
RGA
Strong Buy66
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
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
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.5% year-over-year
Generating 2.9B in free cash flow
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
4.9% margin — thin
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 : RGA
The strongest argument for RGA centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum. PEG of 1.14 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 : RGA
The primary concerns for RGA are Profit Margin. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while RGA is a growth play — different risk/reward profiles.
RGA carries more volatility with a beta of 0.48 — expect wider price swings.
RGA is growing revenue faster at 23.5% — sustainability is the question.
RGA generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (79/100 vs 66/100), backed by strong 24.6% margins. 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.
Reinsurance Group of America
FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA
Reinsurance Group of America, Incorporated is in the reinsurance business. The company is headquartered in Chesterfield, Missouri.
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