WallStSmart

Arch Capital Group Ltd. (ACGL)vsScully Royalty Ltd (SRL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Arch Capital Group Ltd. generates 55196% more annual revenue ($19.78B vs $35.77M). ACGL leads profitability with a 24.6% profit margin vs -7.5%. ACGL earns a higher WallStSmart Score of 79/100 (B+).

ACGL

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.48

SRL

Avoid

26

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 6.3
Piotroski: 3/9Altman Z: 1.60

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACGL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
94.6%10/10

Earnings expanding 94.6% YoY

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Profit MarginProfitability
24.6%9/10

Keeps 25 of every $100 in revenue as profit

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

SRL2 strengths · Avg: 9.5/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Areas to Watch

ACGL2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

Altman Z-ScoreHealth
1.482/10

Distress zone — elevated risk

SRL4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.6%4/10

2.6% revenue growth

Altman Z-ScoreHealth
1.604/10

Distress zone — elevated risk

Market CapQuality
$93.26M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull 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 : SRL

The strongest argument for SRL centers on Price/Book, Debt/Equity.

Bear Case : ACGL

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

Bear Case : SRL

The primary concerns for SRL are Revenue Growth, Altman Z-Score, Market Cap.

Key Dynamics to Monitor

ACGL profiles as a declining stock while SRL is a turnaround play — different risk/reward profiles.

SRL carries more volatility with a beta of 0.55 — expect wider price swings.

SRL is growing revenue faster at 2.6% — 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 26/100), backed by strong 24.6% margins. Both earn "Strong Buy" and "Avoid" 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.

Scully Royalty Ltd

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Scully Royalty Ltd. is an iron ore mining company in America, Africa, Canada, Asia and Europe. The company is headquartered in Central, Hong Kong.

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