Arch Capital Group Ltd (ACGL)vsWhiteHorse Finance (WHF)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
WHF
WhiteHorse Finance
$7.60
+0.40%
FINANCIAL SERVICES · Cap: $170.09M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 27323% more annual revenue ($19.93B vs $72.67M). ACGL leads profitability with a 22.1% profit margin vs 19.7%. WHF appears more attractively valued with a PEG of 1.01. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
WHF
Strong Buy66
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 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 29.5%
Earnings expanding 38.8% YoY
Reasonable price relative to book value
Strong operational efficiency at 68.1%
Earnings expanding 114.0% YoY
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 5.3% — below average capital efficiency
Elevated debt levels
Revenue declined 17.5%
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 : WHF
The strongest argument for WHF centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.7% and operating margin at 68.1%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : WHF
The primary concerns for WHF are Market Cap, Return on Equity, Debt/Equity.
Key Dynamics to Monitor
ACGL profiles as a mature stock while WHF is a declining play — different risk/reward profiles.
WHF carries more volatility with a beta of 0.46 — expect wider price swings.
ACGL is growing revenue faster at 8.5% — 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 66/100), backed by strong 22.1% margins. Both earn "Exceptional 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.
WhiteHorse Finance
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
WhiteHorse Finance, Inc. (WHF) is a premier business development company that offers tailored financing solutions to private middle-market businesses. Founded in 2013 and publicly listed since 2014, WHF has established a robust portfolio concentrated on first and second lien secured debt, aimed at delivering consistent income and capital appreciation to investors. Leveraging a disciplined investment strategy and experienced management, the company is poised to capitalize on the increasing demand for accessible capital among small to medium-sized enterprises, affirming its position as a reliable partner within the dynamic financial marketplace.
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