Arch Capital Group Ltd. (ACGLN)vsHartford Financial Services Group (HIG)
ACGLN
Arch Capital Group Ltd.
$14.84
+0.68%
FINANCIAL SERVICES · Cap: $15.30B
HIG
Hartford Financial Services Group
$132.59
+0.40%
FINANCIAL SERVICES · Cap: $34.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 58% more annual revenue ($29.59B vs $18.78B). ACGLN leads profitability with a 23.3% profit margin vs 15.6%. ACGLN trades at a lower P/E of 3.1x. HIG earns a higher WallStSmart Score of 79/100 (B+).
ACGLN
Hold38
out of 100
Grade: F
HIG
Strong Buy79
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 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 26.8%
Generating 1.3B in free cash flow
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Areas to Watch
Revenue declined 8.9%
Earnings declined 15.7%
Distress zone — elevated risk
3.9% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ACGLN
The strongest argument for ACGLN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 23.3% and operating margin at 26.8%.
Bull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bear Case : ACGLN
The primary concerns for ACGLN are Revenue Growth, EPS Growth, Altman Z-Score.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
ACGLN profiles as a declining stock while HIG is a value play — different risk/reward profiles.
HIG carries more volatility with a beta of 0.49 — expect wider price swings.
HIG is growing revenue faster at 3.9% — sustainability is the question.
ACGLN generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 38/100), backed by strong 15.6% margins. Both earn "Strong Buy" and "Hold" 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. (ACGLN) is a leading global insurer and reinsurer, offering a wide range of property, casualty, and mortgage insurance solutions across key markets, including North America, Europe, and Asia. The company emphasizes disciplined underwriting and sophisticated risk management, maintaining a diversified portfolio that reduces exposure to market fluctuations. Its robust capital position allows Arch Capital to adapt to the evolving needs of clients while fostering sustainable shareholder value. Notably, the company's dedication to integrating advanced technology and data analytics enhances its competitive edge, ensuring a resilient and adaptive approach in a dynamic insurance environment.
Visit Website →Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
Visit Website →Compare with Other INSURANCE - DIVERSIFIED Stocks
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