Arch Capital Group Ltd. (ACGL) vs Citizens Financial Group, Inc. (CFG)
ACGL leads on 10 of 13 compared metrics.
A side-by-side comparison of Arch Capital Group Ltd. and Citizens Financial Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 29, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).
ACGL
Arch Capital Group Ltd.
$97.54Financial Services
CFG
Citizens Financial Group, Inc.
$70.40Financial Services
Total return — ACGL vs CFG
growth of $100 · last 12yACGL +440.4%CFG +205.0%ACGL compounded faster
ACGL CFG
ACGL vs CFG: by the numbers
- •ACGL is the larger company ($34.08B vs $29.77B market cap).
- •ACGL trades at the lower earnings multiple (7.49 vs 16.68 P/E).
- •ACGL converts more revenue to profit (24.73% vs 17.51% net margin).
- •ACGL grew revenue faster over the past five years (17.23% vs 8.62% CAGR).
- •CFG pays a dividend (2.61% yield) while ACGL does not currently pay one.
Which is better, ACGL or CFG?
Metric tally: ACGL 10 · CFG 3It depends on what you're optimizing for:
ValueACGL(lower P/E)
GrowthACGL(faster 5Y revenue CAGR)
QualityACGL(higher ROIC)
Metrics side by side
Valuation
| Metric | ACGL | CFG |
|---|---|---|
| P/E ratio | 7.49● | 16.68 |
| Forward P/E | 10.49● | 13.56 |
| P/S ratio | 1.78● | 2.68 |
| P/B ratio | 1.45 | 1.16● |
| PEG ratio | 2.51 | 0.53● |
Profitability
| Metric | ACGL | CFG |
|---|---|---|
| Gross margin | 42.83% | 71.13%● |
| Operating margin | 27.65%● | 22.26% |
| Net margin | 24.73%● | 17.51% |
| ROE | 20.14%● | 7.55% |
| ROIC | 7.12%● | 4.25% |
Dividends
| Metric | ACGL | CFG |
|---|---|---|
| Dividend yield | — | 2.61% |
| Payout ratio | — | 47.18% |
Growth (annualized)
| Metric | ACGL | CFG |
|---|---|---|
| Revenue CAGR (5Y) | 17.23%● | 8.62% |
| EPS CAGR (5Y) | 28.50%● | 11.93% |
| Total return CAGR (5Y) | 21.14%● | 12.87% |
Frequently asked
- Which is better, ACGL or CFG?
- It depends on your goal. value: ACGL (lower P/E); growth: ACGL (faster 5Y revenue CAGR); quality: ACGL (higher ROIC). Across all compared metrics, ACGL leads 10 to 3.
- Is ACGL or CFG cheaper?
- On trailing earnings, ACGL is cheaper: ACGL trades at a 7.49 P/E and CFG at 16.68.
- Which has grown faster, ACGL or CFG?
- Over the past five years, ACGL grew revenue faster — ACGL at a 17.23% CAGR versus CFG at 8.62%.
- Does ACGL or CFG pay a bigger dividend?
- CFG pays a dividend (2.61% yield) while ACGL does not currently pay one.
- Is ACGL or CFG more profitable?
- ACGL runs the higher net margin — ACGL at 24.73% versus CFG at 17.51%.
- Which has been the better investment, ACGL or CFG?
- Over the past 10-year, CFG delivered the higher annualized total return — ACGL at 16.12% versus CFG at 17.76%. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Arch Capital P/E ratioCitizens Financial P/E ratioArch Capital dividend yieldCitizens Financial dividend yieldArch Capital ROECitizens Financial ROEArch Capital operating marginCitizens Financial operating marginArch Capital revenue growthCitizens Financial revenue growthArch Capital free cash flowCitizens Financial free cash flow
Arch Capital & Citizens Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified June 29, 2026.