Arch Capital Group Ltd. (ACGL)vsZions Bancorporation (ZION)
ACGL
Arch Capital Group Ltd.
$99.09
-0.43%
FINANCIAL SERVICES · Cap: $34.28B
ZION
Zions Bancorporation
$71.77
+1.31%
FINANCIAL SERVICES · Cap: $10.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Arch Capital Group Ltd. generates 422% more annual revenue ($19.23B vs $3.69B). ZION leads profitability with a 31.8% profit margin vs 24.4%. ACGL appears more attractively valued with a PEG of 1.06. ZION earns a higher WallStSmart Score of 81/100 (A-).
ACGL
Strong Buy67
out of 100
Grade: B-
ZION
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 20 in profit
Keeps 24 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Revenue surging 35.2% year-over-year
Earnings expanding 87.1% YoY
Areas to Watch
Revenue declined 10.5%
Earnings declined 7.1%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGL
The strongest argument for ACGL centers on P/E Ratio, Price/Book, Return on 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 : ZION
The strongest argument for ZION centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.8% and operating margin at 52.1%. Revenue growth of 35.2% demonstrates continued momentum.
Bear Case : ACGL
The primary concerns for ACGL are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : ZION
The primary concerns for ZION are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ACGL profiles as a declining stock while ZION is a growth play — different risk/reward profiles.
ZION carries more volatility with a beta of 0.79 — expect wider price swings.
ZION is growing revenue faster at 35.2% — sustainability is the question.
ACGL generates stronger free cash flow (1.2B), providing more financial flexibility.
Bottom Line
ZION scores higher overall (81/100 vs 67/100), backed by strong 31.8% margins and 35.2% revenue growth. 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.
Zions Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.
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