Arch Capital Group Ltd. (ACGL)vsUnited Fire Group Inc (UFCS)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
UFCS
United Fire Group Inc
$56.99
+1.19%
FINANCIAL SERVICES · Cap: $1.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 1206% more annual revenue ($19.23B vs $1.47B). ACGL leads profitability with a 24.4% profit margin vs 9.6%. ACGL appears more attractively valued with a PEG of 1.06. UFCS earns a higher WallStSmart Score of 73/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
UFCS
Strong Buy73
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
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Earnings expanding 48.3% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
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, 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 : UFCS
The strongest argument for UFCS centers on P/E Ratio, Price/Book, Debt/Equity. Revenue growth of 14.4% demonstrates continued momentum. PEG of 1.41 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 : UFCS
The primary concerns for UFCS are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UFCS is a value play — different risk/reward profiles.
UFCS carries more volatility with a beta of 0.47 — expect wider price swings.
UFCS is growing revenue faster at 14.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
UFCS scores higher overall (73/100 vs 67/100) and 14.4% 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.
United Fire Group Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
United Fire Group, Inc., offers property and casualty insurance for individuals and businesses in the United States. The company is headquartered in Cedar Rapids, Iowa.
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