Arch Capital Group Ltd (ACGL)vsWorld Acceptance Corporation (WRLD)
ACGL
Arch Capital Group Ltd
$94.46
+1.88%
FINANCIAL SERVICES · Cap: $34.58B
WRLD
World Acceptance Corporation
$153.25
-0.93%
FINANCIAL SERVICES · Cap: $779.34M
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd generates 3376% more annual revenue ($19.93B vs $573.38M). ACGL leads profitability with a 22.1% profit margin vs 7.5%. WRLD appears more attractively valued with a PEG of 0.70. ACGL earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Exceptional Buy81
out of 100
Grade: A-
WRLD
Buy52
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
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
No major concerns identified
1.9% revenue growth
Smaller company, higher risk/reward
7.5% margin — thin
Earnings declined 86.0%
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 : WRLD
The strongest argument for WRLD centers on PEG Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.
Bear Case : ACGL
No major red flags identified for ACGL, but monitor valuation.
Bear Case : WRLD
The primary concerns for WRLD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.35 is elevated, increasing financial risk.
Key Dynamics to Monitor
ACGL profiles as a mature stock while WRLD is a value play — different risk/reward profiles.
WRLD carries more volatility with a beta of 1.17 — 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 52/100), 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.
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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