Arch Capital Group Ltd. (ACGL)vsSezzle Inc. (SEZL)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
SEZL
Sezzle Inc.
$118.87
+0.39%
FINANCIAL SERVICES · Cap: $3.99B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3516% more annual revenue ($19.23B vs $531.89M). SEZL leads profitability with a 30.3% profit margin vs 24.4%. SEZL appears more attractively valued with a PEG of 0.07. SEZL earns a higher WallStSmart Score of 77/100 (B+).
ACGL
Strong Buy67
out of 100
Grade: B-
SEZL
Strong Buy77
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
Growing faster than its price suggests
Every $100 of equity generates 75 in profit
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 57.2%
Revenue surging 51.7% year-over-year
Earnings expanding 50.0% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Moderate valuation
Trading at 17.2x book value
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 : SEZL
The strongest argument for SEZL centers on PEG Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 30.3% and operating margin at 57.2%. Revenue growth of 51.7% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SEZL
The primary concerns for SEZL are P/E Ratio, Price/Book.
Key Dynamics to Monitor
ACGL profiles as a declining stock while SEZL is a growth play — different risk/reward profiles.
SEZL carries more volatility with a beta of 6.67 — expect wider price swings.
SEZL is growing revenue faster at 51.7% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
SEZL scores higher overall (77/100 vs 67/100), backed by strong 30.3% margins and 51.7% 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.
Sezzle Inc.
FINANCIAL SERVICES · CREDIT SERVICES · USA
Sezzle Inc. is a technology-enabled payments company primarily in the United States and Canada. The company is headquartered in Minneapolis, Minnesota.
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