ACGL vs. BSBR: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ACGL and BSBR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
ACGL’s market capitalization stands at 33.42 billion USD, while BSBR’s is 40.87 billion USD, indicating their market valuations are broadly comparable.
With betas of 0.52 for ACGL and 0.45 for BSBR, both stocks show similar sensitivity to overall market movements.
BSBR is an American Depositary Receipt (ADR), allowing U.S. investors direct exposure to its non-U.S. operations. ACGL, on the other hand, is a domestic entity.
| Symbol | ACGL | BSBR |
|---|---|---|
| Company Name | Arch Capital Group Ltd. | Banco Santander (Brasil) S.A. |
| Country | BM | BR |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Diversified | Banks - Regional |
| CEO | Nicolas Alain Emmanuel Papadopoulo | Mario Roberto Opice Leao |
| Price | 89.19 USD | 5.47 USD |
| Market Cap | 33.42 billion USD | 40.87 billion USD |
| Beta | 0.52 | 0.45 |
| Exchange | NASDAQ | NYSE |
| IPO Date | September 14, 1995 | October 7, 2009 |
| ADR | No | Yes |
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.
Profitability
Return on Equity
ACGL
17.66%
Insurance - Diversified Industry
- Max
- 19.59%
- Q3
- 17.66%
- Median
- 12.77%
- Q1
- 7.56%
- Min
- -4.43%
ACGL’s Return on Equity of 17.66% is on par with the norm for the Insurance - Diversified industry, indicating its profitability relative to shareholder equity is typical for the sector.
BSBR
11.28%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
BSBR’s Return on Equity of 11.28% is on par with the norm for the Banks - Regional industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
ACGL
9.46%
Insurance - Diversified Industry
- Max
- 32.46%
- Q3
- 16.21%
- Median
- 9.46%
- Q1
- 2.09%
- Min
- -10.51%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.
BSBR
1.96%
Banks - Regional Industry
- Max
- 13.33%
- Q3
- 7.16%
- Median
- 5.31%
- Q1
- 2.87%
- Min
- -3.49%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.
Net Profit Margin
ACGL
21.23%
Insurance - Diversified Industry
- Max
- 26.00%
- Q3
- 19.46%
- Median
- 9.37%
- Q1
- 5.55%
- Min
- -7.05%
A Net Profit Margin of 21.23% places ACGL in the upper quartile for the Insurance - Diversified industry, signifying strong profitability and more effective cost management than most of its peers.
BSBR
10.00%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
Falling into the lower quartile for the Banks - Regional industry, BSBR’s Net Profit Margin of 10.00% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin
ACGL
44.52%
Insurance - Diversified Industry
- Max
- 44.52%
- Q3
- 25.84%
- Median
- 14.16%
- Q1
- 6.78%
- Min
- -2.60%
An Operating Profit Margin of 44.52% places ACGL in the upper quartile for the Insurance - Diversified industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
BSBR
14.45%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
BSBR’s Operating Profit Margin of 14.45% is in the lower quartile for the Banks - Regional industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | ACGL | BSBR |
|---|---|---|
| Return on Equity (TTM) | 17.66% | 11.28% |
| Return on Assets (TTM) | 5.01% | 1.07% |
| Return on Invested Capital (TTM) | 9.46% | 1.96% |
| Net Profit Margin (TTM) | 21.23% | 10.00% |
| Operating Profit Margin (TTM) | 44.52% | 14.45% |
| Gross Profit Margin (TTM) | 98.20% | 32.96% |
Financial Strength
Current Ratio
ACGL
--
Insurance - Diversified Industry
- Max
- 4.41
- Q3
- 4.03
- Median
- 2.86
- Q1
- 2.82
- Min
- 2.82
Current Ratio data for ACGL is currently unavailable.
BSBR
0.49
Banks - Regional Industry
- Max
- 0.39
- Q3
- 0.22
- Median
- 0.15
- Q1
- 0.10
- Min
- 0.01
For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
ACGL
0.13
Insurance - Diversified Industry
- Max
- 0.54
- Q3
- 0.39
- Median
- 0.27
- Q1
- 0.21
- Min
- 0.13
Falling into the lower quartile for the Insurance - Diversified industry, ACGL’s Debt-to-Equity Ratio of 0.13 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
BSBR
1.24
Banks - Regional Industry
- Max
- 1.74
- Q3
- 0.81
- Median
- 0.42
- Q1
- 0.18
- Min
- 0.00
BSBR’s leverage is in the upper quartile of the Banks - Regional industry, with a Debt-to-Equity Ratio of 1.24. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
ACGL
73.83
Insurance - Diversified Industry
- Max
- 19.23
- Q3
- 17.46
- Median
- 7.97
- Q1
- 4.61
- Min
- -1.63
With an Interest Coverage Ratio of 73.83, ACGL demonstrates a superior capacity to service its debt, placing it well above the typical range for the Insurance - Diversified industry. This stems from either robust earnings or a conservative debt load.
BSBR
0.23
Banks - Regional Industry
- Max
- 1.58
- Q3
- 0.84
- Median
- 0.59
- Q1
- 0.35
- Min
- -0.35
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.
Financial Strength at a Glance
| Symbol | ACGL | BSBR |
|---|---|---|
| Current Ratio (TTM) | -- | 0.49 |
| Quick Ratio (TTM) | -- | 0.49 |
| Debt-to-Equity Ratio (TTM) | 0.13 | 1.24 |
| Debt-to-Asset Ratio (TTM) | 0.04 | 0.12 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.38 | -3.57 |
| Interest Coverage Ratio (TTM) | 73.83 | 0.23 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for ACGL and BSBR. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
ACGL
5.61%
Insurance - Diversified Industry
- Max
- 8.16%
- Q3
- 5.54%
- Median
- 2.46%
- Q1
- 1.59%
- Min
- 0.00%
With a Dividend Yield of 5.61%, ACGL offers a more attractive income stream than most of its peers in the Insurance - Diversified industry, signaling a strong commitment to shareholder returns.
BSBR
11.65%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
With a Dividend Yield of 11.65%, BSBR offers a more attractive income stream than most of its peers in the Banks - Regional industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
ACGL
50.74%
Insurance - Diversified Industry
- Max
- 101.86%
- Q3
- 53.36%
- Median
- 21.69%
- Q1
- 5.33%
- Min
- 0.00%
ACGL’s Dividend Payout Ratio of 50.74% is within the typical range for the Insurance - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
BSBR
40.98%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
BSBR’s Dividend Payout Ratio of 40.98% is within the typical range for the Banks - Regional industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | ACGL | BSBR |
|---|---|---|
| Dividend Yield (TTM) | 5.61% | 11.65% |
| Dividend Payout Ratio (TTM) | 50.74% | 40.98% |
Valuation
Price-to-Earnings Ratio
ACGL
9.19
Insurance - Diversified Industry
- Max
- 18.52
- Q3
- 16.13
- Median
- 13.33
- Q1
- 9.73
- Min
- 2.62
In the lower quartile for the Insurance - Diversified industry, ACGL’s P/E Ratio of 9.19 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
BSBR
16.30
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
A P/E Ratio of 16.30 places BSBR in the upper quartile for the Banks - Regional industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Forward P/E to Growth Ratio
ACGL
1.15
Insurance - Diversified Industry
- Max
- 2.60
- Q3
- 2.07
- Median
- 1.20
- Q1
- 0.77
- Min
- 0.04
ACGL’s Forward PEG Ratio of 1.15 is within the middle range of its peers in the Insurance - Diversified industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
BSBR
1.29
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
BSBR’s Forward PEG Ratio of 1.29 is within the middle range of its peers in the Banks - Regional industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
ACGL
1.88
Insurance - Diversified Industry
- Max
- 3.08
- Q3
- 2.00
- Median
- 1.15
- Q1
- 1.07
- Min
- 0.38
ACGL’s P/S Ratio of 1.88 aligns with the market consensus for the Insurance - Diversified industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
BSBR
1.03
Banks - Regional Industry
- Max
- 4.28
- Q3
- 2.76
- Median
- 2.17
- Q1
- 1.71
- Min
- 0.55
The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.
Price-to-Book Ratio
ACGL
1.61
Insurance - Diversified Industry
- Max
- 2.12
- Q3
- 1.80
- Median
- 1.59
- Q1
- 1.29
- Min
- 0.74
ACGL’s P/B Ratio of 1.61 is within the conventional range for the Insurance - Diversified 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
1.81
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
BSBR’s P/B Ratio of 1.81 is in the upper tier for the Banks - Regional industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | ACGL | BSBR |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 9.19 | 16.30 |
| Forward PEG Ratio (TTM) | 1.15 | 1.29 |
| Price-to-Sales Ratio (P/S, TTM) | 1.88 | 1.03 |
| Price-to-Book Ratio (P/B, TTM) | 1.61 | 1.81 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 5.12 | 4.43 |
| EV-to-EBITDA (TTM) | 8.67 | 2.66 |
| EV-to-Sales (TTM) | 1.97 | 0.44 |