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Compare Stocks › ACGL vs PFE

Arch Capital Group Ltd. (ACGL) vs Pfizer Inc. (PFE)

ACGL
Arch Capital Group Ltd.
$92.17
VS
PFE
Pfizer Inc.
$27.41

Rewards

ACGL
  • ★Free cash flow has grown at a 17.6% CAGR over the past 4 years, demonstrating strong earnings power growth.
  • ★Each dollar of retained earnings has created $1.00 of market value — management is creating shareholder value.
  • ★PEG ratio of 0.20 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
PFE
  • ★Gross margin of 75.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Dividend yield of 6.28% with a consistent or growing payout over the past 4 years.
  • ★FCF yield of 8.6% is historically attractive — the business generates significant cash relative to its price.

Risks

ACGL
  • ⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
  • ⚠Altman Z-Score of 1.10 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
  • ⚠Insiders have sold $7.2M worth of stock in the past 3 months — significant insider liquidation.
PFE
  • ⚠ROIC has declined by 13.9 percentage points over the observed period, which may signal competitive erosion.
  • ⚠Free cash flow has declined at a 29.6% CAGR over the past 4 years — a concerning trend.

Key Valuation Metrics

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ACGL
PFE
Valuation
$-17.00B
Free Cash Flow
$13.43B
-50.87%
FCF Yield
8.61%
7.95
Trailing P/E
20.15
9.12
Forward P/E
9.69
Quality & Moat
17.16%
ROIC
7.67%
18.01%
ROE
8.96%
37.16%
Gross Margin
75.81%
0.20
PEG Ratio
N/A
Balance Sheet Safety
0.12
Debt / Equity
0.78
N/A
Interest Coverage
N/A
-0.14
Net Debt / EBITDA
2.10
N/A
Dividend Yield
6.28%
ACGL: 6Ties: 1PFE: 3
ACGLPFE

Historical Fundamentals

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ACGL

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

PFE

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$1 Retained Earnings Test

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ACGL
$1.00
created per $1 retained over 3 years
Value Creator
Σ Retained
$11.16B
Δ Market Cap
+$11.18B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
PFE
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-10.61B
Δ Market Cap
$-146.18B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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ACGL
65.2% Margin of Safety
Price is 65.2% below estimated fair value
Current Price: $92.17
Fair Value: $264.60
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PFE
140.2% Overvalued
Price is 140.2% above estimated fair value
Current Price: $27.41
Fair Value: $11.41
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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ACGL

Requires positive FCF to compute implied growth rate.

PFE

What growth rate is the market pricing in at $27?

+11.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +4.3%

The market implies +11.8% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +4.3%, reflecting heavy growth investment.

Economic Moat Score

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ACGL
31/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
PFE
35/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.

Forensic Accounting

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ACGL
-2.46
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
PFE
-2.53
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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ACGL
Insiders 3.3%Institutions 94.4%Retail & Other 2.4%
No. of Institutional Holders1,308
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
PFE
Insiders 0.1%Institutions 67.7%Retail & Other 32.2%
No. of Institutional Holders3,692
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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ACGL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
PFE
0
Buys (3M)
0
Buys (12M)
BLAYLOCK RONALD E
Director
$499,072
@ $25.65 · 2025-02-13
GOTTLIEB SCOTT
Director
$28,240
@ $28.24 · 2024-10-30
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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ACGL
3
Sells (3M)
8
Sells (12M)
Total value (12M): $12.41M
GANSBERG DAVID E
President
$569,266
@ $96.37 · 2026-03-10
PAPADOPOULO NICOLAS
Chief Executive Officer
$2.11M
@ $96.31 · 2026-03-10
RAJEH MAAMOUN
Officer
$4.56M
@ $96.12 · 2026-02-11
MORIN FRANCOIS
Chief Financial Officer
$756,996
@ $94.62 · 2025-11-28
RAJEH MAAMOUN
President
$941,464
@ $94.15 · 2025-08-22
MORIN FRANCOIS
Chief Financial Officer
$1.19M
@ $94.58 · 2025-05-16
PETRILLO LOUIS T
Officer
$1.57M
@ $94.53 · 2025-05-09
PAPADOPOULO NICOLAS
Chief Executive Officer
$706,177
@ $92.48 · 2025-05-02
PETRILLO LOUIS T
Officer of Subsidiary Company
$1.93M
@ $91.78 · 2025-03-05
MORIN FRANCOIS
Chief Financial Officer
$1.17M
@ $102.46 · 2024-08-16
GANSBERG DAVID E
Officer
$966,444
@ $96.64 · 2024-05-06
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PFE
0
Sells (3M)
0
Sells (12M)
DAMICO JENNIFER B.
Officer
$64,825
@ $25.93 · 2025-03-04
DAMICO JENNIFER B.
Officer
$147,714
@ $28.66 · 2024-08-13
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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ACGL
FearGreed
😐Neutral(47/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
PFE
FearGreed
😏Greed(64/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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ACGL
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (47)
PFE
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (64)
View ACGL Full AnalysisView PFE Full Analysis