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Arch Capital Group Ltd. (ACGL) vs Exzeo Group, Inc. (XZO)

Arch Capital Group Ltd. and Exzeo Group, Inc. are both Insurance Diversified companies. Arch Capital Group Ltd. is the larger, with a market value of $37.7B against $1.6B — 24.3× the size. Arch Capital Group Ltd. trades at the lower P/E: 8.8× against 17.7×. Exzeo Group, Inc. grew revenue faster over the last twelve months: 15.1% against −3.91%. Exzeo Group, Inc. has the higher net margin (38.8% vs 23.1%) and the higher return on invested capital (36.6% vs 11.8%). Across the 18 metrics below, Exzeo Group, Inc. leads on 11 and Arch Capital Group Ltd. on 7.

Valuation

Metric ACGL XZO Insurance Diversified median
P/E 8.83 17.67 11.57
P/S 1.97 6.89 1.52
P/B 1.67 5.13 1.64
Price to free cash flow 6.58 18.55 6.58
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.33% 5.66% 7.65%
Free cash flow yield 15.20% 5.39% 15.20%

Profitability

Metric ACGL XZO Insurance Diversified median
Gross margin 37.64% 62.53% 53.26%
Operating margin 26.60% 48.01% 19.02%
Net margin 23.10% 38.84% 15.94%
Free cash flow margin 29.98% (0.57%) 6.29%
Return on equity 19.25% 45.77% 12.08%
Return on assets 5.31% 29.72% 5.31%
Return on invested capital 11.80% 36.63% 9.01%

Growth

Metric ACGL XZO Insurance Diversified median
Revenue growth (TTM) (3.91%) 15.07% 1.89%
EPS growth (last fiscal year) 3.66% 125.00% 28.70%
Revenue growth, 5-year CAGR 18.56% — 8.63%
Net income growth, 5-year CAGR 26.16% — 10.84%

Health

Metric ACGL XZO Insurance Diversified median
Debt to equity 0.20 0.00 0.17
Current ratio 0.47 1.53 0.47
Net debt to EBITDA 0.38 (2.80) 0.17

Dividend

Metric ACGL XZO Insurance Diversified median
Dividend yield 0.00% — 1.96%
Payout ratio 0.00 — 0.15

Size

Metric ACGL XZO Insurance Diversified median
Market cap 37.73b 1.55b 12.81b

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