Arch Capital Group Ltd. (ACGL)vsUnivest Corporation Pennsylvania (UVSP)
ACGL
Arch Capital Group Ltd.
$96.09
-0.11%
FINANCIAL SERVICES · Cap: $33.47B
UVSP
Univest Corporation Pennsylvania
$42.67
+0.23%
FINANCIAL SERVICES · Cap: $1.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 5730% more annual revenue ($19.23B vs $329.89M). UVSP leads profitability with a 29.8% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. UVSP earns a higher WallStSmart Score of 72/100 (B).
ACGL
Strong Buy67
out of 100
Grade: B-
UVSP
Strong Buy72
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
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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, Price/Book, Profit Margin. 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 : UVSP
The strongest argument for UVSP centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.8% and operating margin at 36.3%. PEG of 1.30 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 : UVSP
The primary concerns for UVSP are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while UVSP is a mature play — different risk/reward profiles.
UVSP carries more volatility with a beta of 0.64 — expect wider price swings.
UVSP is growing revenue faster at 8.4% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
UVSP scores higher overall (72/100 vs 67/100), backed by strong 29.8% 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.
Univest Corporation Pennsylvania
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.
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