ACGL vs. BSBR: A Head-to-Head Stock Comparison

Updated on August 23, 2025

Here’s a clear look at ACGL and BSBR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

ACGL is a standard domestic listing, while BSBR trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	ACGL	BSBR
Company Name	Arch Capital Group Ltd.	Banco Santander (Brasil) S.A.
Country	Bermuda	Brazil
GICS Sector	Financials	Financials
GICS Industry	Insurance	Banks
Market Capitalization	34.65 billion USD	36.16 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	September 14, 1995	October 7, 2009
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of ACGL and BSBR by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

ACGL vs. BSBR: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	ACGL	BSBR
5-Day Price Return	1.51%	-2.49%
13-Week Price Return	-2.44%	-12.94%
26-Week Price Return	2.97%	0.08%
52-Week Price Return	-9.86%	-11.40%
Month-to-Date Return	7.88%	-0.32%
Year-to-Date Return	0.53%	10.71%
10-Day Avg. Volume	1.98M	0.04M
3-Month Avg. Volume	1.96M	0.08M
3-Month Volatility	23.39%	24.02%
Beta	0.47	1.15

Profitability

Return on Equity (TTM)

ACGL

17.03%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

ACGL’s Return on Equity of 17.03% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

BSBR

9.76%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

BSBR’s Return on Equity of 9.76% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

ACGL vs. BSBR: A comparison of their Return on Equity (TTM) against their respective Insurance and Banks industry benchmarks.

Net Profit Margin (TTM)

ACGL

20.05%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 20.05% places ACGL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

BSBR

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Net Profit Margin data for BSBR is currently unavailable.

ACGL vs. BSBR: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Operating Profit Margin (TTM)

ACGL

20.17%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

BSBR

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

Operating Profit Margin data for BSBR is currently unavailable.

ACGL vs. BSBR: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Profitability at a Glance

Symbol	ACGL	BSBR
Return on Equity (TTM)	17.03%	9.76%
Return on Assets (TTM)	5.00%	0.95%
Net Profit Margin (TTM)	20.05%	--
Operating Profit Margin (TTM)	20.17%	--
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

ACGL

0.72

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BSBR

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ACGL vs. BSBR: A comparison of their Current Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ACGL

0.12

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

BSBR

2.66

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

ACGL vs. BSBR: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

ACGL

6.33

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

BSBR

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

ACGL vs. BSBR: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	ACGL	BSBR
Current Ratio (MRQ)	0.72	--
Quick Ratio (MRQ)	0.72	--
Debt-to-Equity Ratio (MRQ)	0.12	2.66
Interest Coverage Ratio (TTM)	6.33	--

Growth

Revenue Growth

ACGL vs. BSBR: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

ACGL vs. BSBR: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

ACGL

5.51%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

With a Dividend Yield of 5.51%, ACGL offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.

BSBR

6.82%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

With a Dividend Yield of 6.82%, BSBR offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

ACGL vs. BSBR: A comparison of their Dividend Yield (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

ACGL

51.23%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

ACGL’s Dividend Payout Ratio of 51.23% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

BSBR

56.54%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BSBR’s Dividend Payout Ratio of 56.54% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

ACGL vs. BSBR: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend at a Glance

Symbol	ACGL	BSBR
Dividend Yield (TTM)	5.51%	6.82%
Dividend Payout Ratio (TTM)	51.23%	56.54%

Valuation

Price-to-Earnings Ratio (TTM)

ACGL

9.30

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

In the lower quartile for the Insurance industry, ACGL’s P/E Ratio of 9.30 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

BSBR

8.29

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BSBR’s P/E Ratio of 8.29 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

ACGL vs. BSBR: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

ACGL

1.86

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

ACGL’s P/S Ratio of 1.86 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

BSBR

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

ACGL vs. BSBR: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

ACGL

1.48

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

ACGL’s P/B Ratio of 1.48 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

BSBR

0.90

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BSBR’s P/B Ratio of 0.90 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

ACGL vs. BSBR: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Valuation at a Glance

Symbol	ACGL	BSBR
Price-to-Earnings Ratio (TTM)	9.30	8.29
Price-to-Sales Ratio (TTM)	1.86	--
Price-to-Book Ratio (MRQ)	1.48	0.90
Price-to-Free Cash Flow Ratio (TTM)	5.67	1.32