Arch Capital Group Ltd (ACGL)vsWashington Federal Inc (WAFDP)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
WAFDP
Washington Federal Inc
$16.45
+0.24%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 2554% more annual revenue ($19.93B vs $750.81M). WAFDP leads profitability with a 33.6% profit margin vs 22.1%. WAFDP trades at a lower P/E of 6.0x. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
WAFDP
Hold47
out of 100
Grade: D+
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.8%
Earnings expanding 26.4% YoY
Areas to Watch
No major concerns identified
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 : WAFDP
The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 45.8%.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : WAFDP
The primary concerns for WAFDP are Altman Z-Score.
Key Dynamics to Monitor
WAFDP carries more volatility with a beta of 0.82 — expect wider price swings.
WAFDP is growing revenue faster at 9.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (81/100 vs 47/100), backed by strong 22.1% margins. Both earn "Exceptional Buy" and "Hold" 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.
Washington Federal Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal Inc. (WAFDP), based in Seattle, Washington, is a leading financial institution providing a broad range of services that includes retail and commercial banking, mortgage banking, and wealth management. Renowned for its customer-centric approach, the bank effectively caters to individuals, businesses, and communities across the Western United States. With a firm emphasis on technological advancements and deep local market insights, Washington Federal has built a robust financial profile characterized by resilience in varying economic landscapes. Its strategic focus on prudent risk management and active community engagement underscores its role as a trusted partner in fostering economic development and stability.
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