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ACGL vs ORI
Which Stock Would AI Choose? Arch Capital Group (ACGL) vs. Old Republic International (ORI) Stock Comparison
Key Takeaways
- ACGL holds a significantly larger market capitalization at $34.27 billion versus ORI's $9.84 billion, reflecting greater scale in the insurance sector.
- ACGL trades at a lower trailing P/E ratio (price-to-earnings) of 8.29 compared to ORI's 10.86, suggesting relatively cheaper valuation on earnings.
- ORI offers a higher dividend yield of 3.12%, appealing to income-focused investors, while ACGL currently pays none.
- Recent year-to-date performance favors ORI at 5.66% gains over ACGL's 0.28%, amid mixed earnings outcomes.
- ACGL demonstrates superior profitability with a 22.07% profit margin and 19.54% ROE (return on equity), outpacing ORI's 10.83% and 17.28%.
- Both stocks exhibit low beta values—ACGL at 0.38 and ORI at 0.77—indicating below-market volatility suitable for defensive portfolios.
Introduction
Arch Capital Group (ACGL) and Old Republic International (ORI) are prominent players in the property and casualty insurance sector, offering diversified exposure to underwriting, reinsurance, and specialty lines. This stock comparison analyzes their recent market positioning, financial metrics, and performance drivers amid evolving insurance market dynamics like catastrophe risks and interest rate shifts. Traders seeking momentum plays and long-term investors eyeing value or income will find value in contrasting their scale, profitability, and relative momentum. With both exhibiting resilience in recent market activity, understanding these nuances aids informed portfolio decisions in a competitive sector.
ACGL Overview and Recent Performance
Arch Capital Group Ltd. (ACGL), headquartered in Bermuda, specializes in insurance, reinsurance, and mortgage insurance across global markets. Its segments include property casualty, reinsurance for catastrophes, and U.S. mortgage guaranty. In recent weeks, ACGL shares have traded around $96, reflecting modest year-to-date gains of 0.28% within a 52-week range of $82.45 to $103.39. Sentiment has been influenced by anticipation for first-quarter earnings, with analysts forecasting robust EPS growth and revenue expansion. Favorable operating margins near 30% and low beta of 0.38 have supported stability, though broader market upticks occasionally pressured the stock. Key developments include board appointments signaling strategic continuity.
ORI Overview and Recent Performance
Old Republic International Corp. (ORI), based in Chicago, focuses on specialty insurance and title insurance, serving sectors like transportation, construction, and real estate. Offerings span commercial auto, workers' compensation, and title services for property transactions. Shares recently hovered near $40, with stronger year-to-date returns of 5.66% in a 52-week band of $35.60 to $46.76. Recent first-quarter results showed revenue beats but EPS misses due to margin pressures and expense growth, tempering gains. A 3.12% dividend yield bolsters appeal, while beta of 0.77 indicates moderate volatility. Investor focus remains on operational efficiencies amid competitive underwriting conditions.
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Head-to-Head Comparison
ACGL and ORI both anchor in property-casualty insurance but diverge in models: ACGL emphasizes global reinsurance and mortgage exposure for higher growth potential, while ORI leans on U.S.-centric specialty and title lines for steady title volume tied to housing. Growth drivers favor ACGL's superior ROE (19.54% vs. 17.28%) and margins, though ORI benefits from dividend reliability. Recent momentum tilts to ORI's YTD edge, but ACGL shows trend consistency pre-earnings. Risk profiles highlight ACGL's lower debt/equity (11.92% vs. 26.84%) and beta, versus ORI's income trade-offs. Market sentiment leans positive for ACGL with "Buy" ratings and higher targets.
Tickeron AI Verdict
Tickeron's AI models currently lean toward ACGL with higher probability in the near term, driven by its undervalued P/E, elevated profitability margins, lower volatility (beta 0.38), and catalysts like impending earnings. While ORI offers dividend stability and recent outperformance, ACGL's relative positioning suggests stronger trend sustainability and risk-reward balance in prevailing insurance market conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ACGL is a Buy and ORI is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ACGL’s FA Score shows that 1 FA rating(s) are green whileORI’s FA Score has 2 green FA rating(s).
- ACGL’s FA Score: 1 green, 4 red.
- ORI’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ACGL’s TA Score shows that 5 TA indicator(s) are bullish while ORI’s TA Score has 5 bullish TA indicator(s).
- ACGL’s TA Score: 5 bullish, 4 bearish.
- ORI’s TA Score: 5 bullish, 4 bearish.
Price Growth
ACGL (@Multi-Line Insurance) experienced а +0.58% price change this week, while ORI (@Property/Casualty Insurance) price change was +1.35% for the same time period.
The average weekly price growth across all stocks in the @Multi-Line Insurance industry was -0.64%. For the same industry, the average monthly price growth was -0.84%, and the average quarterly price growth was -2.93%.
The average weekly price growth across all stocks in the @Property/Casualty Insurance industry was +1.83%. For the same industry, the average monthly price growth was +3.58%, and the average quarterly price growth was -1.93%.
Reported Earning Dates
ACGL is expected to report earnings on Jul 29, 2026.
ORI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Multi-Line Insurance (-0.64% weekly)A multi-line insurance contract bundles together exposures to risk and covers them under a single contract. For providers of such policies, the bundle is a potential risk diversification strategy since their exposure gets spread over several factors, which helps them mitigate a financial burden if a catastrophic event were to occur. Other potential benefits include getting more premiums from including more than one type of insurance in a bundle, and getting a competitive edge by procuring multiple insurance contracts with a customer. Examples of companies in this industry are Berkshire Hathaway (which owns several insurance companies), Chubb Limited, American International Group, Inc. and Sun Life Financial Inc.
@Property/Casualty Insurance (+1.83% weekly)Property and casualty companies insure against accidents of non-physical harm, such as lawsuits, damage to personal assets, car crashes and more. Progressive Corporation, Travelers Companies, Inc. and Allstate Corporation are some of the biggest providers of such products.
| ACGL | ORI | ACGL / ORI | |
| Capitalization | 32.7B | 9.71B | 337% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -4.055 | -7.944 | 51% |
| P/E Ratio | 7.08 | 9.63 | 74% |
| Revenue | 19.1B | 9.42B | 203% |
| Total Cash | 12.2B | 2.54B | 481% |
| Total Debt | 2.73B | 1.59B | 172% |
ACGL | ORI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 60 | 6 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 61 Fair valued | 19 Undervalued | |
PROFIT vs RISK RATING 1..100 | 21 | 11 | |
SMR RATING 1..100 | 49 | 56 | |
PRICE GROWTH RATING 1..100 | 59 | 56 | |
P/E GROWTH RATING 1..100 | 75 | 73 | |
SEASONALITY SCORE 1..100 | 65 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ORI's Valuation (19) in the Property Or Casualty Insurance industry is somewhat better than the same rating for ACGL (61). This means that ORI’s stock grew somewhat faster than ACGL’s over the last 12 months.
ORI's Profit vs Risk Rating (11) in the Property Or Casualty Insurance industry is in the same range as ACGL (21). This means that ORI’s stock grew similarly to ACGL’s over the last 12 months.
ACGL's SMR Rating (49) in the Property Or Casualty Insurance industry is in the same range as ORI (56). This means that ACGL’s stock grew similarly to ORI’s over the last 12 months.
ORI's Price Growth Rating (56) in the Property Or Casualty Insurance industry is in the same range as ACGL (59). This means that ORI’s stock grew similarly to ACGL’s over the last 12 months.
ORI's P/E Growth Rating (73) in the Property Or Casualty Insurance industry is in the same range as ACGL (75). This means that ORI’s stock grew similarly to ACGL’s over the last 12 months.
| ACGL | ORI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 81% | 2 days ago 70% |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 47% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 57% |
| MACD ODDS (%) | 2 days ago 58% | 2 days ago 50% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 52% |
| TrendMonth ODDS (%) | 2 days ago 42% | 2 days ago 30% |
| Advances ODDS (%) | 14 days ago 59% | 14 days ago 55% |
| Declines ODDS (%) | 6 days ago 47% | 6 days ago 43% |
| BollingerBands ODDS (%) | 2 days ago 67% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 53% | 2 days ago 32% |
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ACGL and
Correlation & Price change
A.I.dvisor indicates that over the last year, ACGL has been closely correlated with ORI. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if ACGL jumps, then ORI could also see price increases.
| Ticker / NAME | Correlation To ACGL | 1D Price Change % | ||
|---|---|---|---|---|
| ACGL | 100% | +0.93% | ||
| ORI - ACGL | 73% Closely correlated | +1.01% | ||
| HIG - ACGL | 69% Closely correlated | +0.97% | ||
| AIG - ACGL | 49% Loosely correlated | +3.17% | ||
| PLGO - ACGL | 44% Loosely correlated | +0.17% | ||
| GSHD - ACGL | 37% Loosely correlated | +5.64% | ||
More | ||||
ORI and
Correlation & Price change
A.I.dvisor indicates that over the last year, ORI has been closely correlated with HIG. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if ORI jumps, then HIG could also see price increases.