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

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

Company Overview

IBN’s market capitalization of 60.22 billion USD is significantly greater than ACGL’s 33.42 billion USD, highlighting its more substantial market valuation.

With betas of 0.52 for ACGL and 0.47 for IBN, both stocks show similar sensitivity to overall market movements.

IBN 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.

SymbolACGLIBN
Company NameArch Capital Group Ltd.ICICI Bank Limited
CountryBMIN
SectorFinancial ServicesFinancial Services
IndustryInsurance - DiversifiedBanks - Regional
CEONicolas Alain Emmanuel PapadopouloSandeep Bakhshi
Price89.19 USD33.76 USD
Market Cap33.42 billion USD60.22 billion USD
Beta0.520.47
ExchangeNASDAQNYSE
IPO DateSeptember 14, 1995March 28, 2000
ADRNoYes

Historical Performance

This chart compares the performance of ACGL and IBN 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. IBN: 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.

IBN

17.61%

Banks - Regional Industry

Max
19.20%
Q3
11.87%
Median
9.48%
Q1
6.66%
Min
-0.15%

In the upper quartile for the Banks - Regional industry, IBN’s Return on Equity of 17.61% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

ACGL vs. IBN: A comparison of their ROE against their respective Insurance - Diversified and Banks - Regional 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.

IBN

2.06%

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.

ACGL vs. IBN: A comparison of their ROIC against their respective Insurance - Diversified and Banks - Regional 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.

IBN

17.32%

Banks - Regional Industry

Max
32.03%
Q3
21.35%
Median
16.99%
Q1
12.69%
Min
0.27%

IBN’s Net Profit Margin of 17.32% is aligned with the median group of its peers in the Banks - Regional industry. This indicates its ability to convert revenue into profit is typical for the sector.

ACGL vs. IBN: A comparison of their Net Profit Margin against their respective Insurance - Diversified and Banks - Regional 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.

IBN

24.72%

Banks - Regional Industry

Max
40.01%
Q3
26.24%
Median
21.14%
Q1
15.85%
Min
1.50%

IBN’s Operating Profit Margin of 24.72% is around the midpoint for the Banks - Regional industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolACGLIBN
Return on Equity (TTM)17.66%17.61%
Return on Assets (TTM)5.01%1.93%
Return on Invested Capital (TTM)9.46%2.06%
Net Profit Margin (TTM)21.23%17.32%
Operating Profit Margin (TTM)44.52%24.72%
Gross Profit Margin (TTM)98.20%68.11%

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.

IBN

--

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.

ACGL vs. IBN: A comparison of their Current Ratio against their respective Insurance - Diversified and Banks - Regional 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.

IBN

0.70

Banks - Regional Industry

Max
1.74
Q3
0.81
Median
0.42
Q1
0.18
Min
0.00

IBN’s Debt-to-Equity Ratio of 0.70 is typical for the Banks - Regional industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

ACGL vs. IBN: A comparison of their D/E Ratio against their respective Insurance - Diversified and Banks - Regional 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.

IBN

0.82

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.

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

Financial Strength at a Glance

SymbolACGLIBN
Current Ratio (TTM)----
Quick Ratio (TTM)----
Debt-to-Equity Ratio (TTM)0.130.70
Debt-to-Asset Ratio (TTM)0.040.08
Net Debt-to-EBITDA Ratio (TTM)0.380.05
Interest Coverage Ratio (TTM)73.830.82

Growth

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

Revenue Growth

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

Earnings Per Share (EPS) Growth

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

Free Cash Flow Growth

ACGL vs. IBN: 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.

IBN

0.69%

Banks - Regional Industry

Max
11.72%
Q3
4.07%
Median
3.00%
Q1
1.68%
Min
0.00%

IBN’s Dividend Yield of 0.69% is in the lower quartile for the Banks - Regional industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

ACGL vs. IBN: A comparison of their Dividend Yield against their respective Insurance - Diversified and Banks - Regional 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.

IBN

0.00%

Banks - Regional Industry

Max
155.35%
Q3
50.05%
Median
34.14%
Q1
18.61%
Min
0.00%

IBN 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. IBN: A comparison of their Payout Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Dividend at a Glance

SymbolACGLIBN
Dividend Yield (TTM)5.61%0.69%
Dividend Payout Ratio (TTM)50.74%0.00%

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.

IBN

20.28

Banks - Regional Industry

Max
22.32
Q3
15.38
Median
12.31
Q1
10.72
Min
4.30

A P/E Ratio of 20.28 places IBN 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.

ACGL vs. IBN: A comparison of their P/E Ratio against their respective Insurance - Diversified and Banks - Regional 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.

IBN

1.29

Banks - Regional Industry

Max
4.03
Q3
2.13
Median
1.25
Q1
0.71
Min
0.02

IBN’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.

ACGL vs. IBN: A comparison of their Forward PEG Ratio against their respective Insurance - Diversified and Banks - Regional 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.

IBN

3.50

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.

ACGL vs. IBN: A comparison of their P/S Ratio against their respective Insurance - Diversified and Banks - Regional 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.

IBN

3.30

Banks - Regional Industry

Max
1.99
Q3
1.35
Median
1.09
Q1
0.92
Min
0.33

At 3.30, IBN’s P/B Ratio is at an extreme premium to the Banks - Regional 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. IBN: A comparison of their P/B Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Valuation at a Glance

SymbolACGLIBN
Price-to-Earnings Ratio (P/E, TTM)9.1920.28
Forward PEG Ratio (TTM)1.151.29
Price-to-Sales Ratio (P/S, TTM)1.883.50
Price-to-Book Ratio (P/B, TTM)1.613.30
Price-to-Free Cash Flow Ratio (P/FCF, TTM)5.12--
EV-to-EBITDA (TTM)8.6710.48
EV-to-Sales (TTM)1.973.51