Arch Capital Group Ltd. (ACGL)vsFirst Financial Corporation Indiana (THFF)
ACGL
Arch Capital Group Ltd.
$99.09
-0.43%
FINANCIAL SERVICES · Cap: $34.28B
THFF
First Financial Corporation Indiana
$82.79
+0.24%
FINANCIAL SERVICES · Cap: $961.34M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 7072% more annual revenue ($19.23B vs $268.14M). THFF leads profitability with a 31.6% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. THFF earns a higher WallStSmart Score of 70/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
THFF
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.3%
Reasonable price relative to book value
16.6% revenue growth
Earnings expanding 21.8% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on Equity. 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 : THFF
The strongest argument for THFF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.6% and operating margin at 41.3%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : THFF
The primary concerns for THFF are Market Cap, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while THFF is a growth play — different risk/reward profiles.
THFF carries more volatility with a beta of 0.41 — expect wider price swings.
THFF is growing revenue faster at 16.6% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
THFF scores higher overall (70/100 vs 67/100), backed by strong 31.6% margins and 16.6% revenue growth. 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.
First Financial Corporation Indiana
FINANCIAL SERVICES · BANKS - REGIONAL · USA
First Financial Corporation, provides various financial services. The company is headquartered in Terre Haute, Indiana.
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