Arch Capital Group Ltd. (ACGL) vs Citizens Financial Group, Inc. (CFG)
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 October 4, 2026. Differences are shown without an overall score or investment verdict.
Total return — ACGL vs CFG
growth of $100 · dividends reinvested · last 10yACGL vs CFG: by the numbers
- •ACGL is the larger company ($32.70B vs $27.20B market cap).
- •ACGL trades at the lower trailing earnings multiple (7.32 vs 13.98 P/E), one valuation lens rather than an overall verdict.
- •ACGL converts more revenue to profit (24.44% vs 18.54% net margin).
- •ACGL grew revenue faster over the past five years (16.36% vs 9.71% CAGR).
- •CFG pays a dividend (2.86% yield), while ACGL is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | ACGL | CFG |
|---|---|---|
| P/E ratio | 7.32 | 13.98 |
| Forward P/E | 9.86 | 12.13 |
| PEG ratio | 0.26 | 1.20 |
| P/S ratio | 1.70 | 2.37 |
| P/B ratio | 1.41 | 1.13 |
Profitability
| Metric | ACGL | CFG |
|---|---|---|
| Operating margin | 27.38% | 23.64% |
| Net margin | 24.44% | 18.54% |
| ROE | 19.53% | 8.12% |
Arch Capital Group Ltd.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Citizens Financial Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ACGL | CFG |
|---|---|---|
| Dividend yield | N/A | 2.86% |
| Payout ratio | N/A | 40.00% |
Growth (annualized)
| Metric | ACGL | CFG |
|---|---|---|
| Revenue CAGR (5Y) | 16.36% | 9.71% |
| EPS CAGR (5Y) | 28.50% | 11.93% |
| Total return CAGR (5Y) | 20.84% | 10.36% |
Frequently asked
- Which has the lower trailing P/E, ACGL or CFG?
- ACGL has the lower trailing P/E: ACGL trades at 7.32 and CFG at 13.98. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ACGL or CFG?
- Over the past five years, ACGL grew revenue faster — ACGL at a 16.36% CAGR versus CFG at 9.71%.
- Does ACGL or CFG pay a bigger dividend?
- CFG pays a dividend (2.86% yield), while ACGL is a former payer with no current dividend run rate.
- Is ACGL or CFG more profitable?
- ACGL runs the higher net margin — ACGL at 24.44% versus CFG at 18.54%.
- How have ACGL and CFG total returns compared?
- Over the past 10 years, ACGL delivered 14.05% and CFG delivered 14.24% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
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 October 4, 2026.