Arch Capital Group Ltd. (ACGL)vsWorld Acceptance Corporation (WRLD)
ACGL
Arch Capital Group Ltd.
$103.94
+1.40%
FINANCIAL SERVICES · Cap: $34.24B
WRLD
World Acceptance Corporation
$175.92
+1.02%
FINANCIAL SERVICES · Cap: $791.48M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 3129% more annual revenue ($19.23B vs $595.58M). ACGL leads profitability with a 24.4% profit margin vs 8.3%. WRLD appears more attractively valued with a PEG of 0.70. ACGL earns a higher WallStSmart Score of 67/100 (B-).
ACGL
Strong Buy67
out of 100
Grade: B-
WRLD
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Generating 1.3B in free cash flow
Earnings expanding 343.3% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
3.5% revenue growth
Smaller company, higher risk/reward
ROE of 4.6% — below average capital efficiency
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Profit Margin, Debt/Equity. 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 : WRLD
The strongest argument for WRLD centers on EPS Growth, PEG Ratio, P/E Ratio. PEG of 0.70 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 : WRLD
The primary concerns for WRLD are Revenue Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
ACGL profiles as a declining stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.18 — expect wider price swings.
WRLD is growing revenue faster at 3.5% — sustainability is the question.
ACGL generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ACGL scores higher overall (67/100 vs 66/100), backed by strong 24.4% 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.
World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
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