Arch Capital Group Ltd (ACGL)vsSecurity National Financial (SNFCA)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
SNFCA
Security National Financial
$9.80
+1.98%
FINANCIAL SERVICES · Cap: $244.76M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 5683% more annual revenue ($19.93B vs $344.59M). ACGL leads profitability with a 22.1% profit margin vs 9.3%. SNFCA trades at a lower P/E of 7.8x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
SNFCA
Buy59
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
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 414.7% YoY
Strong operational efficiency at 22.2%
Areas to Watch
No major concerns identified
4.7% revenue growth
Smaller company, higher risk/reward
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : SNFCA
The strongest argument for SNFCA centers on P/E Ratio, Price/Book, EPS Growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : SNFCA
The primary concerns for SNFCA are Revenue Growth, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a mature stock while SNFCA is a value play — different risk/reward profiles.
SNFCA carries more volatility with a beta of 0.70 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 59/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
Security National Financial
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Security National Financial Corporation is engaged in the life, cemetery and mortuary, and mortgage insurance businesses. The company is headquartered in Draper, Utah.
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