Arch Capital Group Ltd. (ACGL)vsUBS Group AG (UBS)
ACGL
Arch Capital Group Ltd.
$109.31
+2.77%
FINANCIAL SERVICES · Cap: $34.24B
UBS
UBS Group AG
$48.48
+1.66%
FINANCIAL SERVICES · Cap: $144.51B
Smart Verdict
WallStSmart Research — data-driven comparison
UBS Group AG generates 178% more annual revenue ($53.52B vs $19.23B). ACGL leads profitability with a 24.4% profit margin vs 18.2%. UBS appears more attractively valued with a PEG of 0.66. UBS earns a higher WallStSmart Score of 71/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
UBS
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.1%
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
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 24.4% and operating margin at 26.6%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : UBS
The strongest argument for UBS centers on Market Cap, PEG Ratio, P/E Ratio. Profitability is solid with margins at 18.2% and operating margin at 27.1%. PEG of 0.66 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 : UBS
The primary concerns for UBS are Altman Z-Score, Debt/Equity. Debt-to-equity of 4.21 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UBS is a mature play — different risk/reward profiles.
UBS carries more volatility with a beta of 0.85 — expect wider price swings.
UBS is growing revenue faster at 5.7% — sustainability is the question.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UBS scores higher overall (71/100 vs 67/100), backed by strong 18.2% 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.
UBS Group AG
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
UBS Group AG, provides advice and financial solutions to private, institutional and corporate clients worldwide. The company is headquartered in Zurich, Switzerland.
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