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

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

Company Profile

SymbolACGLCHYM
Company NameArch Capital Group Ltd.Chime Financial, Inc.
CountryBermudaUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceFinancial Services
Market Capitalization34.29 billion USD10.30 billion USD
ExchangeNasdaqGSNasdaqGS
Listing DateSeptember 14, 1995June 12, 2025
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolACGLCHYM
5-Day Price Return0.04%-7.78%
13-Week Price Return-0.10%--
26-Week Price Return3.60%--
52-Week Price Return-13.74%--
Month-to-Date Return6.76%-19.44%
Year-to-Date Return-0.51%-25.30%
10-Day Avg. Volume1.85M2.44M
3-Month Avg. Volume1.96M3.80M
3-Month Volatility23.38%--
Beta0.472.26

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.

CHYM

--

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

Return on Equity data for CHYM is currently unavailable.

ACGL vs. CHYM: A comparison of their Return on Equity (TTM) against their respective Insurance and Financial Services 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.

CHYM

-86.97%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

CHYM has a negative Net Profit Margin of -86.97%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

ACGL vs. CHYM: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Financial Services 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.

CHYM

-88.02%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

CHYM has a negative Operating Profit Margin of -88.02%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

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

Profitability at a Glance

SymbolACGLCHYM
Return on Equity (TTM)17.03%--
Return on Assets (TTM)5.00%--
Net Profit Margin (TTM)20.05%-86.97%
Operating Profit Margin (TTM)20.17%-88.02%
Gross Profit Margin (TTM)--87.82%

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.

CHYM

4.83

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

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

ACGL vs. CHYM: A comparison of their Current Ratio (MRQ) against their respective Insurance and Financial Services 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.

CHYM

0.00

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

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

ACGL vs. CHYM: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Financial Services 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.

CHYM

--

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

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

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

Financial Strength at a Glance

SymbolACGLCHYM
Current Ratio (MRQ)0.724.83
Quick Ratio (MRQ)0.724.62
Debt-to-Equity Ratio (MRQ)0.120.00
Interest Coverage Ratio (TTM)6.33--

Growth

Revenue Growth

ACGL vs. CHYM: 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. CHYM: 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.

CHYM

0.00%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

CHYM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

ACGL vs. CHYM: A comparison of their Dividend Yield (TTM) against their respective Insurance and Financial Services 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.

CHYM

0.00%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

CHYM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

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

Dividend at a Glance

SymbolACGLCHYM
Dividend Yield (TTM)5.51%0.00%
Dividend Payout Ratio (TTM)51.23%0.00%

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.

CHYM

--

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

P/E Ratio data for CHYM is currently unavailable.

ACGL vs. CHYM: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Financial Services 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.

CHYM

9.43

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

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

ACGL vs. CHYM: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Financial Services 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.

CHYM

8.81

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

At 8.81, CHYM’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

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

Valuation at a Glance

SymbolACGLCHYM
Price-to-Earnings Ratio (TTM)9.30--
Price-to-Sales Ratio (TTM)1.869.43
Price-to-Book Ratio (MRQ)1.488.81
Price-to-Free Cash Flow Ratio (TTM)5.67--