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

Updated on July 7, 2025

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

Company Overview

C’s market capitalization of 165.71 billion USD is significantly greater than ACGL’s 33.42 billion USD, highlighting its more substantial market valuation.

C carries a higher beta at 1.31, indicating it’s more sensitive to market moves, while ACGL (beta: 0.52) exhibits greater stability.

Symbol	ACGL	C
Company Name	Arch Capital Group Ltd.	Citigroup Inc.
Country	BM	US
Sector	Financial Services	Financial Services
Industry	Insurance - Diversified	Banks - Diversified
CEO	Nicolas Alain Emmanuel Papadopoulo	Jane Nind Fraser
Price	89.19 USD	88.72 USD
Market Cap	33.42 billion USD	165.71 billion USD
Beta	0.52	1.31
Exchange	NASDAQ	NYSE
IPO Date	September 14, 1995	January 3, 1977
ADR	No	No

Historical Performance

This chart compares the performance of ACGL and C 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. C: Growth of a $10,000 investment over the past one year.

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.

C

6.38%

Banks - Diversified Industry

Max: 20.93%
Q3: 14.73%
Median: 12.33%
Q1: 9.14%
Min: 5.86%

C’s Return on Equity of 6.38% is in the lower quartile for the Banks - Diversified industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

ACGL vs. C: A comparison of their ROE against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

1.32%

Banks - Diversified Industry

Max: 4.52%
Q3: 2.95%
Median: 1.89%
Q1: 0.86%
Min: 0.18%

Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Diversified industry.

ACGL vs. C: A comparison of their ROIC against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

7.95%

Banks - Diversified Industry

Max: 33.40%
Q3: 26.40%
Median: 19.24%
Q1: 14.99%
Min: 7.95%

Falling into the lower quartile for the Banks - Diversified industry, C’s Net Profit Margin of 7.95% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

ACGL vs. C: A comparison of their Net Profit Margin against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

10.67%

Banks - Diversified Industry

Max: 50.90%
Q3: 37.76%
Median: 28.44%
Q1: 15.73%
Min: 8.60%

C’s Operating Profit Margin of 10.67% is in the lower quartile for the Banks - Diversified industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

ACGL vs. C: A comparison of their Operating Margin against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Profitability at a Glance

Symbol	ACGL	C
Return on Equity (TTM)	17.66%	6.38%
Return on Assets (TTM)	5.01%	0.52%
Return on Invested Capital (TTM)	9.46%	1.32%
Net Profit Margin (TTM)	21.23%	7.95%
Operating Profit Margin (TTM)	44.52%	10.67%
Gross Profit Margin (TTM)	98.20%	42.37%

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.

C

0.29

Banks - Diversified Industry

Max: 0.67
Q3: 0.49
Median: 0.39
Q1: 0.28
Min: 0.06

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

ACGL vs. C: A comparison of their Current Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

3.53

Banks - Diversified Industry

Max: 4.98
Q3: 3.65
Median: 3.13
Q1: 1.73
Min: 0.09

C’s Debt-to-Equity Ratio of 3.53 is typical for the Banks - Diversified industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

ACGL vs. C: A comparison of their D/E Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

0.21

Banks - Diversified Industry

Max: 0.98
Q3: 0.78
Median: 0.55
Q1: 0.31
Min: 0.09

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

ACGL vs. C: A comparison of their Interest Coverage against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Financial Strength at a Glance

Symbol	ACGL	C
Current Ratio (TTM)	--	0.29
Quick Ratio (TTM)	--	0.29
Debt-to-Equity Ratio (TTM)	0.13	3.53
Debt-to-Asset Ratio (TTM)	0.04	0.29
Net Debt-to-EBITDA Ratio (TTM)	0.38	19.84
Interest Coverage Ratio (TTM)	73.83	0.21

Growth

The following charts compare key year-over-year (YoY) growth metrics for ACGL and C. These metrics are based on the companies’ annual financial reports.

Revenue Growth

ACGL vs. C: A comparison of their annual year-over-year Revenue Growth.

Earnings Per Share (EPS) Growth

ACGL vs. C: A comparison of their annual year-over-year Earnings Per Share (EPS) Growth.

Free Cash Flow Growth

ACGL vs. C: A comparison of their annual year-over-year 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.

C

2.52%

Banks - Diversified Industry

Max: 7.73%
Q3: 4.16%
Median: 3.24%
Q1: 2.27%
Min: 0.00%

C’s Dividend Yield of 2.52% is consistent with its peers in the Banks - Diversified industry, providing a dividend return that is standard for its sector.

ACGL vs. C: A comparison of their Dividend Yield against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

39.11%

Banks - Diversified Industry

Max: 84.94%
Q3: 39.11%
Median: 26.91%
Q1: 0.00%
Min: 0.00%

C’s Dividend Payout Ratio of 39.11% is within the typical range for the Banks - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

ACGL vs. C: A comparison of their Payout Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Dividend at a Glance

Symbol	ACGL	C
Dividend Yield (TTM)	5.61%	2.52%
Dividend Payout Ratio (TTM)	50.74%	39.11%

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.

C

12.46

Banks - Diversified Industry

Max: 14.13
Q3: 13.37
Median: 11.90
Q1: 9.29
Min: 7.43

C’s P/E Ratio of 12.46 is within the middle range for the Banks - Diversified 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. C: A comparison of their P/E Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

0.48

Banks - Diversified Industry

Max: 1.98
Q3: 1.41
Median: 1.15
Q1: 0.77
Min: 0.45

In the lower quartile for the Banks - Diversified industry, C’s Forward PEG Ratio of 0.48 is a positive indicator. It suggests that the stock may be attractively valued relative to its expected earnings growth.

ACGL vs. C: A comparison of their Forward PEG Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

0.99

Banks - Diversified Industry

Max: 4.15
Q3: 2.92
Median: 2.29
Q1: 1.83
Min: 0.94

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

ACGL vs. C: A comparison of their P/S Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

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.

C

0.78

Banks - Diversified Industry

Max: 1.89
Q3: 1.47
Median: 1.23
Q1: 1.10
Min: 0.65

C’s P/B Ratio of 0.78 is in the lower quartile for the Banks - Diversified industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

ACGL vs. C: A comparison of their P/B Ratio against their respective Insurance - Diversified and Banks - Diversified industry benchmarks.

Valuation at a Glance

Symbol	ACGL	C
Price-to-Earnings Ratio (P/E, TTM)	9.19	12.46
Forward PEG Ratio (TTM)	1.15	0.48
Price-to-Sales Ratio (P/S, TTM)	1.88	0.99
Price-to-Book Ratio (P/B, TTM)	1.61	0.78
Price-to-Free Cash Flow Ratio (P/FCF, TTM)	5.12	-2.24
EV-to-EBITDA (TTM)	8.67	27.30
EV-to-Sales (TTM)	1.97	3.60