ACGL vs. GL: Arch Capital vs. Globe Life Stock Comparison
How do Arch Capital (ACGL) and Globe Life (GL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Arch Capital (ACGL) and Globe Life (GL) both belong to the Insurance industry, though ACGL is classified under Property & Casualty Insurance while GL falls under Life & Health Insurance.
| Profile Item | ACGL | GL |
|---|---|---|
| Name | Arch Capital Group Ltd. | Globe Life Inc. |
| Country/Region | Bermuda | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Life & Health Insurance |
| Market Capitalization | 34.92 billion USD | 11.86 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | September 14, 1995 | October 1, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ACGL | GL |
|---|---|---|
| Total Return (1Y) | 19.55% | 22.37% |
| Total Return (3Y, Annualized) | 9.97% | 12.75% |
| Total Return (5Y, Annualized) | 21.79% | 12.63% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ACGL | GL |
|---|---|---|
| Volatility (1Y, Annualized) | 21.17% | 21.23% |
| Beta (5Y) | 0.22 | 0.46 |
| Max Drawdown (5Y) | -22.43% | -61.62% |
| Avg. Volume (3M) | 2.86M | 504.63K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ACGL | GL |
|---|---|---|
| Sharpe Ratio (1Y) | 0.72 | 0.85 |
| Sortino Ratio (1Y) | 1.03 | 1.13 |
Profitability
ROE (TTM)
Both Arch Capital (ACGL) at 18.74% and Globe Life (GL) at 19.26% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
ACGL
Insurance industry group
18.74%
- Max
- 41.68%
- Q3
- 22.04%
- ACGL
- 18.74%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
GL
Insurance industry group
19.26%
- Max
- 41.68%
- Q3
- 22.04%
- GL
- 19.26%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
For every dollar of sales, both Arch Capital (ACGL) at 23.31% and Globe Life (GL) at 18.89% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
ACGL
Insurance industry group
23.31%
- Max
- 29.92%
- ACGL
- 23.31%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
GL
Insurance industry group
18.89%
- Max
- 29.92%
- GL
- 18.89%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Arch Capital (ACGL) in Insurance and Globe Life (GL) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ACGL | GL |
|---|---|---|
| ROE (TTM) | 18.74% | 19.26% |
| ROA (TTM) | 3.90% | 3.32% |
| Net Margin (TTM) | 23.31% | 18.89% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Arch Capital (ACGL) at 13.96% and Globe Life (GL) at 3.74% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Arch Capital (ACGL) at 3.66% and Globe Life (GL) at 17.84% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ACGL | GL |
|---|---|---|
| Revenue Growth (YoY) | 13.96% | 3.74% |
| Revenue Growth (3Y CAGR) | 26.14% | 4.67% |
| EPS Growth (YoY) | 3.66% | 17.84% |
| EPS Growth (3Y CAGR) | 45.06% | 23.50% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arch Capital (ACGL) in Insurance and Globe Life (GL) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Arch Capital (ACGL) in Insurance and Globe Life (GL) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | ACGL | GL |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Arch Capital (ACGL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Globe Life (GL) reports a yield of 0.79%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
GL
Insurance industry group
0.79%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- GL
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Arch Capital (ACGL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Globe Life (GL) reports a payout of 8.43%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
GL
Insurance industry group
8.43%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- GL
- 8.43%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ACGL | GL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.79% |
| Dividend Payout Ratio (TTM) | 0.00% | 8.43% |
Valuation
P/E Ratio (TTM)
Arch Capital (ACGL) at 8.77 sits in the cheaper P/E ratio quartile, while Globe Life (GL) at 10.52 is closer to its industry’s usual earnings multiple — a discount for ACGL, though growth and earnings durability still matter.
ACGL
Insurance industry group
8.77
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- ACGL
- 8.77
- Min
- 2.32
GL
Insurance industry group
10.52
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- GL
- 10.52
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Arch Capital (ACGL) at 1.86 and Globe Life (GL) at 1.89 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
ACGL
Insurance industry group
1.86
- Max
- 4.03
- Q3
- 2.25
- ACGL
- 1.86
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
GL
Insurance industry group
1.89
- Max
- 4.03
- Q3
- 2.25
- GL
- 1.89
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Arch Capital (ACGL) at 1.57 and Globe Life (GL) at 1.81 are valued close to their industries’ norm against book — neither stands out from peers.
ACGL
Insurance industry group
1.57
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- ACGL
- 1.57
- Q1
- 1.23
- Min
- 0.30
GL
Insurance industry group
1.81
- Max
- 5.07
- Q3
- 2.79
- GL
- 1.81
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ACGL | GL |
|---|---|---|
| P/E Ratio (TTM) | 8.77 | 10.52 |
| P/S Ratio (TTM) | 1.86 | 1.89 |
| P/B Ratio (MRQ) | 1.57 | 1.81 |
| Free Cash Flow Yield (TTM) | -- | -- |