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ACGLO vs FHN

ACGLO
Arch Capital Group Ltd.
NEUTRAL
Price
$20.20
Market Cap
$11.78B
Sector
Financial Services
AI Confidence
78%
FHN
First Horizon Corporation
NEUTRAL
Price
$24.21
Market Cap
$11.56B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ACGLO
4.31
FHN
12.17
Forward P/E
ACGLO
--
FHN
10.29
P/B Ratio
ACGLO
0.31
FHN
1.37
P/S Ratio
ACGLO
0.59
FHN
--
EV/EBITDA
ACGLO
1.3
FHN
--

Profitability

Gross Margin
ACGLO
37.16%
FHN
0.0%
Operating Margin
ACGLO
29.53%
FHN
41.37%
Profit Margin
ACGLO
22.07%
FHN
29.95%
ROE
ACGLO
19.54%
FHN
11.26%
ROA
ACGLO
4.44%
FHN
1.26%

Growth

Revenue Growth
ACGLO
8.5%
FHN
9.6%
Earnings Growth
ACGLO
38.8%
FHN
29.3%

Financial Health

Debt/Equity
ACGLO
0.12
FHN
--
Current Ratio
ACGLO
1.08
FHN
--
Quick Ratio
ACGLO
0.5
FHN
--

Dividends

Dividend Yield
ACGLO
6.75%
FHN
2.81%
Payout Ratio
ACGLO
--
FHN
31.16%

AI Verdict

ACGLO NEUTRAL

ACGLO's Piotroski F-Score of 4/9 indicates a borderline stable financial health, falling short of strong resilience. The absence of an Altman Z-Score raises concern about default risk, though the low Debt/Equity (0.12) and strong profitability margins suggest solid balance sheet fundamentals. The stock trades at a deeply undervalued P/E of 4.31 and Price/Book of 0.31, well below sector averages, with a Graham Number of $83.06 and intrinsic value of $138.38, implying significant upside potential. However, the bearish insider sentiment, lack of analyst coverage, and recent price decline undermine near-term momentum despite strong earnings growth.

Strengths
Strong profitability metrics: 22.07% profit margin, 29.53% operating margin, and 19.54% ROE
Extremely low Debt/Equity ratio of 0.12, indicating conservative capital structure
Significant undervaluation relative to intrinsic and Graham fair value estimates
Risks
Piotroski F-Score of 4/9 indicates weak financial health, with only moderate stability
No Altman Z-Score available, creating uncertainty around bankruptcy risk despite low leverage
Bearish insider sentiment with one recent sale and zero buys in the last 6 months
FHN NEUTRAL

FHN presents a stark contrast between attractive valuation and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the current price of $24.21 is a discount to both the Graham Number ($28.16) and the growth-based Intrinsic Value ($58.7), the low health score and bearish insider activity suggest significant underlying risks. These concerns are partially offset by strong earnings growth (29.3% YoY) and a consistent track record of beating analyst estimates. Consequently, the stock is a high-risk value play where growth metrics clash with poor deterministic health indicators.

Strengths
Trading below Graham Number ($28.16) and Intrinsic Value ($58.7)
Strong earnings growth of 29.3% YoY
Consistent earnings beat track record (3/4 most recent quarters)
Risks
Very weak Piotroski F-Score (2/9) indicating poor financial health
Bearish insider sentiment with significant selling by the CEO and officers
Bearish technical trend (0/100)

Compare Another Pair

ACGLO vs FHN: Head-to-Head Comparison

This page compares Arch Capital Group Ltd. (ACGLO) and First Horizon Corporation (FHN) 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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