Arch Capital Group Ltd. (ACGL)vsTompkins Financial Corporation (TMP)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
TMP
Tompkins Financial Corporation
$99.44
-1.79%
FINANCIAL SERVICES · Cap: $1.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 4386% more annual revenue ($19.78B vs $440.85M). TMP leads profitability with a 38.0% profit margin vs 24.6%. ACGL appears more attractively valued with a PEG of 1.06. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
TMP
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
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
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 41.9%
Reasonable price relative to book value
Earnings expanding 32.8% YoY
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. 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 : TMP
The strongest argument for TMP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 38.0% and operating margin at 41.9%.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : TMP
The primary concerns for TMP are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while TMP is a mature play — different risk/reward profiles.
TMP carries more volatility with a beta of 0.72 — expect wider price swings.
TMP is growing revenue faster at 7.6% — 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 76/100), backed by strong 24.6% 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.
Tompkins Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
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