Arch Capital Group Ltd. (ACGL)vsWhiteHorse Finance (WHF)
ACGL
Arch Capital Group Ltd.
$101.14
-3.26%
FINANCIAL SERVICES · Cap: $35.41B
WHF
WhiteHorse Finance
$6.40
-0.31%
FINANCIAL SERVICES · Cap: $139.17M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 28261% more annual revenue ($19.78B vs $69.73M). ACGL leads profitability with a 24.6% profit margin vs 13.5%. WHF appears more attractively valued with a PEG of 1.01. ACGL earns a higher WallStSmart Score of 79/100 (B+).
ACGL
Strong Buy79
out of 100
Grade: B+
WHF
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 94.6% YoY
Every $100 of equity generates 20 in profit
Keeps 25 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 67.6%
Earnings expanding 114.0% YoY
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 3.8% — below average capital efficiency
Elevated debt levels
Revenue declined 15.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, EPS Growth, Return on Equity. Profitability is solid with margins at 24.6% and operating margin at 25.3%. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : WHF
The strongest argument for WHF centers on Price/Book, Operating Margin, EPS Growth. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, Altman Z-Score.
Bear Case : WHF
The primary concerns for WHF are Market Cap, Return on Equity, Debt/Equity.
Key Dynamics to Monitor
WHF carries more volatility with a beta of 0.41 — expect wider price swings.
ACGL is growing revenue faster at -3.3% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ACGL scores higher overall (79/100 vs 64/100), backed by strong 24.6% margins. Both earn "Strong 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.
WhiteHorse Finance
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
WhiteHorse Finance, Inc. (WHF) is a prominent business development company focused on delivering tailored financing solutions to private middle-market companies. Established in 2013 and publicly listed since 2014, WHF has cultivated a diverse portfolio largely centered on first and second lien secured debt, aimed at generating stable income and potential capital appreciation for its investors. The company's disciplined investment strategy, combined with a seasoned management team, strategically positions WHF to address the growing capital demands of small to mid-sized businesses, solidifying its status as a reliable partner in the dynamic financial marketplace.
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