Arch Capital Group Ltd (ACGL)vsUWM Holdings Corp (UWMC)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
UWMC
UWM Holdings Corp
$3.54
+2.02%
FINANCIAL SERVICES · Cap: $5.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 476% more annual revenue ($19.93B vs $3.46B). ACGL leads profitability with a 22.1% profit margin vs 0.8%. ACGL trades at a lower P/E of 8.4x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
UWMC
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Strong operational efficiency at 31.0%
Revenue surging 301.0% year-over-year
Earnings expanding 277.8% YoY
Areas to Watch
No major concerns identified
Moderate valuation
0.8% margin — thin
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 22.1% and operating margin at 29.5%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : UWMC
The strongest argument for UWMC centers on Operating Margin, Revenue Growth, EPS Growth. Revenue growth of 301.0% demonstrates continued momentum.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : UWMC
The primary concerns for UWMC are P/E Ratio, Profit Margin, Altman Z-Score. Thin 0.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
ACGL profiles as a mature stock while UWMC is a hypergrowth play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.98 — expect wider price swings.
UWMC is growing revenue faster at 301.0% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (81/100 vs 61/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "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.
UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
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