Arch Capital Group Ltd. (ACGL)vsSynchrony Financial (SYF)
ACGL
Arch Capital Group Ltd.
$109.24
+0.06%
FINANCIAL SERVICES · Cap: $35.20B
SYF
Synchrony Financial
$71.65
-0.50%
FINANCIAL SERVICES · Cap: $23.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 92% more annual revenue ($18.78B vs $9.78B). SYF leads profitability with a 34.1% profit margin vs 23.3%. SYF appears more attractively valued with a PEG of 0.91. SYF earns a higher WallStSmart Score of 69/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
SYF
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.8%
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 49.8%
Every $100 of equity generates 20 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
Elevated debt levels
Revenue declined 4.7%
Earnings declined 6.3%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. Profitability is solid with margins at 23.3% and operating margin at 26.8%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 49.8%. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : SYF
The primary concerns for SYF are Debt/Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
SYF carries more volatility with a beta of 1.40 — expect wider price swings.
SYF is growing revenue faster at -4.7% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SYF scores higher overall (69/100 vs 67/100), backed by strong 34.1% 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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
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