Arch Capital Group Ltd. (ACGL)vsTexas Capital Bancshares, Inc. (TCBIO)
ACGL
Arch Capital Group Ltd.
$92.04
+1.29%
FINANCIAL SERVICES · Cap: $32.03B
TCBIO
Texas Capital Bancshares, Inc.
$20.50
-0.63%
FINANCIAL SERVICES · Cap: $3.31B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1488% more annual revenue ($19.78B vs $1.25B). TCBIO leads profitability with a 28.7% profit margin vs 24.6%. TCBIO trades at a lower P/E of 5.2x. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
TCBIO
Buy54
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
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 32.2%
Earnings expanding 69.6% YoY
Keeps 29 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : TCBIO
The strongest argument for TCBIO centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 32.2%. Revenue growth of 16.9% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : TCBIO
The primary concerns for TCBIO are Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while TCBIO is a growth play — different risk/reward profiles.
TCBIO carries more volatility with a beta of 0.68 — expect wider price swings.
TCBIO is growing revenue faster at 16.9% — 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 54/100), backed by strong 24.6% margins. Both earn "Strong 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.
Texas Capital Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Texas Capital Bancshares, Inc. (TCBIO), based in Dallas, Texas, is a prominent regional bank that offers a diverse range of financial services tailored to meet the needs of both commercial and individual clients. The bank specializes in bespoke solutions such as business lending, treasury management, and personal banking, emphasizing strong client relationships and leveraging deep local market expertise. With a commitment to prudent risk management and a strategy focused on sustainable growth, TCBIO is well-positioned to excel in a competitive marketplace while driving long-term shareholder value.
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