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ACGL vs V

ACGL
Arch Capital Group Ltd.
NEUTRAL
Price
$93.47
Market Cap
$33.89B
Sector
Financial Services
AI Confidence
78%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ACGL
8.06
V
28.35
Forward P/E
ACGL
9.24
V
20.79
P/B Ratio
ACGL
1.43
V
15.09
P/S Ratio
ACGL
1.7
V
14.08
EV/EBITDA
ACGL
6.0
V
20.06

Profitability

Gross Margin
ACGL
37.16%
V
97.78%
Operating Margin
ACGL
29.53%
V
68.3%
Profit Margin
ACGL
22.07%
V
50.23%
ROE
ACGL
19.54%
V
53.95%
ROA
ACGL
4.44%
V
18.36%

Growth

Revenue Growth
ACGL
8.5%
V
14.6%
Earnings Growth
ACGL
38.8%
V
17.4%

Financial Health

Debt/Equity
ACGL
0.12
V
0.55
Current Ratio
ACGL
1.08
V
1.11
Quick Ratio
ACGL
0.5
V
0.72

Dividends

Dividend Yield
ACGL
--
V
0.89%
Payout Ratio
ACGL
0.0%
V
22.91%

AI Verdict

ACGL NEUTRAL

ACGL exhibits mixed fundamental signals: the Piotroski F-Score of 4/9 indicates a borderline stable financial health, while the absence of an Altman Z-Score raises concern about default risk, particularly given the low quick ratio of 0.50. The stock trades at a compelling 8.06x P/E, well below the sector average of 30.46, and the Graham Number of $130.62 suggests undervaluation, though the intrinsic value estimate of $342.2 implies a significant growth premium. Strong profitability (22.07% margin, 19.54% ROE) and consistent earnings beats (16.97% average surprise) support upside potential, but the lack of dividends and bearish insider activity undermine confidence. The 1-year return of +3.4% lags behind peers, reflecting market skepticism despite solid fundamentals.

Strengths
Strong profitability with 22.07% net margin and 19.54% ROE
Consistent earnings beat history with 16.97% average surprise over last 4 quarters
Attractive valuation with P/E of 8.06, significantly below sector average of 30.46
Risks
Piotroski F-Score of 4/9 signals weak financial health, bordering on instability
No Altman Z-Score available; absence of distress risk metric is a red flag
Bearish insider sentiment with $27.21M in sales over 6 months, including large sales by Chairman and CEO
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

ACGL vs V: Head-to-Head Comparison

This page compares Arch Capital Group Ltd. (ACGL) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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