Arch Capital Group Ltd. (ACGL)vsSafety Insurance Group Inc (SAFT)
ACGL
Arch Capital Group Ltd.
$92.04
+1.29%
FINANCIAL SERVICES · Cap: $32.03B
SAFT
Safety Insurance Group Inc
$70.62
+2.82%
FINANCIAL SERVICES · Cap: $1.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1449% more annual revenue ($19.78B vs $1.28B). ACGL leads profitability with a 24.6% profit margin vs 4.9%. SAFT appears more attractively valued with a PEG of 0.95. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
SAFT
Buy61
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 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 153.2% YoY
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
4.4% revenue growth
Smaller company, higher risk/reward
ROE of 7.4% — below average capital efficiency
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 : SAFT
The strongest argument for SAFT centers on Price/Book, EPS Growth, Debt/Equity. PEG of 0.95 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 : SAFT
The primary concerns for SAFT are Revenue Growth, Market Cap, Return on Equity. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SAFT is a value play — different risk/reward profiles.
ACGL carries more volatility with a beta of 0.31 — expect wider price swings.
SAFT is growing revenue faster at 4.4% — 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 61/100), 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.
Safety Insurance Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Safety Insurance Group, Inc. offers private passenger and commercial auto and homeowners insurance in the United States. The company is headquartered in Boston, Massachusetts.
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