WallStSmart

Arch Capital Group Ltd. (ACGL)vsS&P Global Inc (SPGI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 19% more annual revenue ($19.23B vs $16.12B). SPGI leads profitability with a 30.5% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. SPGI earns a higher WallStSmart Score of 67/100 (B-).

ACGL

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 8.0Value: 7.0Quality: 6.8
Piotroski: 6/9Altman Z: 1.48

SPGI

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 8.5Value: 5.0Quality: 5.5
Piotroski: 5/9Altman Z: 1.98

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.0/10
P/E RatioValuation
7.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
24.4%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Free Cash FlowQuality
$2.49B8/10

Generating 2.5B in free cash flow

SPGI4 strengths · Avg: 9.3/10
Profit MarginProfitability
30.5%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
44.8%10/10

Strong operational efficiency at 44.8%

Market CapQuality
$121.61B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.40B8/10

Generating 1.4B in free cash flow

Areas to Watch

ACGL3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

SPGI3 concerns · Avg: 4.0/10
PEG RatioValuation
1.964/10

Expensive relative to growth rate

P/E RatioValuation
25.3x4/10

Moderate valuation

Altman Z-ScoreHealth
1.984/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : SPGI

The strongest argument for SPGI centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 30.5% and operating margin at 44.8%. Revenue growth of 10.4% demonstrates continued momentum.

Bear Case : ACGL

The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.

Bear Case : SPGI

The primary concerns for SPGI are PEG Ratio, P/E Ratio, Altman Z-Score.

Key Dynamics to Monitor

ACGL profiles as a declining stock while SPGI is a mature play — different risk/reward profiles.

SPGI carries more volatility with a beta of 1.07 — expect wider price swings.

SPGI is growing revenue faster at 10.4% — sustainability is the question.

ACGL generates stronger free cash flow (2.5B), providing more financial flexibility.

Bottom Line

ACGL scores higher overall (67/100 vs 67/100), backed by strong 24.4% 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.

S&P Global Inc

FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA

S&P Global Inc. is an American publicly traded corporation headquartered in Manhattan, New York City. Its primary areas of business are financial information and analytics.

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