ACGL vs AIZ Stock Comparison
AIZ currently leads ACGL in this stock comparison, with AIQ scores of 69 vs 67. The clearest difference is risk resilience.
What is the main difference between ACGL and AIZ?
AIZ leads the current stock comparison as Assurant, Inc., with the clearest separation coming from risk resilience and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Arch Capital Group Ltd. vs Assurant, Inc.
AIZ leads
AIZ leads by 2 AIQ points, primarily on Risk Resilience and Quality.
Fragile: 3 of 6 evidence groups support AIZ, and its signal state is cleanly positive.
Arch Capital Group Ltd.
Assurant, Inc.
The Algovestiq AIQ Score currently favors AIZ over ACGL, 69 versus 67 as of Oct 31, 2026. AIZ's advantage is driven primarily by stronger risk resilience and quality. AIZ also shows the weaker technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor AIZ today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 2 points. AIZ lead: Stable — the AIQ differential has held near 2 points over 30 sessions.
Compare Arch Capital Group Ltd. and Assurant, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare ACGL and AIZ against another ticker
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AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience54 vs 65AIZ +11
- Quality68 vs 73AIZ +5
- Value63 vs 60Even
- Momentum78 vs 78Even
3 of 6 evidence groups favor AIZ. AIZ’s edge is concentrated in risk resilience and quality.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Risk Resilience +1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum -6
No signal started or stopped since the prior session; its 4 active signals are unchanged.
AIZ's lead narrowed by 2 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — ACGL and AIZ both carry a full feed there.
The central trade-off
AIZ (Assurant, Inc.): the stronger current systematic profile, led by risk resilience and quality.
ACGL (Arch Capital Group Ltd.): the counter-case, on fundamentals.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
AIZAIZ on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
EvenGrowth figures are not covered for both names.
Value
EvenThe two are level on Value.
Momentum
EvenThe two are level on Momentum.
Lower downside
AIZAIZ on Risk Resilience, by 11 points.
Analyst upside
AIZAIZ on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | ACGL | AIZ | Note |
|---|---|---|---|
| Implied upside to target | +3.1% | +5.1% | AIZ has more room |
| Target dispersion | +23.7% | +28.3% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 6 | 6 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor AIZ. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 67 vs 69 |
| Fundamentals | ACGLon balance | revenue growth 2.5% vs 1%; EPS growth 5.9% vs 9.4%; TTM ROE 19.5% vs 18%; gross margin 46.2% vs 78.1%; operating margin 27.4% vs 9.9% — ACGL takes 3 of 5 decided legs, not all of them |
| Valuation | Even | Value 63 vs 60 |
| Technicals | AIZ | Price vs 50-day 8.9% vs 5.2%; vs 200-day 6% vs 12.2% |
| Risk Resilience | AIZ | Risk Resilience 54 vs 65 |
| Analyst expectations | AIZ | Target upside 3.1% vs 5.1% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of ACGL and AIZ and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 2 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on AIZ.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28AIZ lead: Stable — the AIQ differential has held near 2 points over 30 sessions.
- Today
- AIZ +2
- 67 vs 69
- 7 sessions ago
- AIZ +2
- 68 vs 70
- 30 sessions ago
- AIZ +2
- 56 vs 58
- 90 sessions ago
- ACGL +2
- 65 vs 63
The lead changed hands 3 times in this window, most recently on Sep 28 when ACGL moved ahead of AIZ.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
ACGL and AIZ carry the same 4 signals, so the signals do not separate them: Golden Cross Active, EMA Ribbon Expansion Bullish, Uptrend Structure Active, MACD Bullish Crossover.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +2.33%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.04%, AIQ -2 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1ACGL closes the Risk Resilience gap — currently 11 points behind, the largest single contributor to AIZ's edge.
- 2ACGL's existing bullish trend signals translate into factor-score gains — the rules are already firing, but the scores have not yet followed.
- 3AIZ's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
ACGL leads on balance| Metric | ACGL | AIZ |
|---|---|---|
| Revenue growth (YoY) | 2.5% | 1% |
| EPS growth (YoY) | 5.9% | 9.4% |
| Gross margin | 46.2% | 78.1% |
| Operating margin | 27.4% | 9.9% |
| Return on equity (TTM) | 19.5% | 18% |
| Debt to equity | 0.18 | 0.36 |
Performance
Split across windows| Metric | ACGL | AIZ |
|---|---|---|
| 1 week (5 sessions) | 2.2% | 0.2% |
| 1 month (20 sessions) | 11% | 8.2% |
| 3 months (63 sessions) | 1.3% | 0.9% |
| 6 months (126 sessions) | 10.5% | 22.5% |
| Year to date | 6.9% | 18.3% |
| 1 year (252 sessions) | 17.6% | 34.5% |
Technicals
AIZ has the stronger structure| Metric | ACGL | AIZ |
|---|---|---|
| RSI (14) | 68.2 | 64.1 |
| ADX (14) | 23.9 | 28.5 |
| Price vs 50-day | 8.9% | 5.2% |
| Price vs 200-day | 6% | 12.2% |
| Volatility (1M, annualized) | 20.7% | 20.5% |
Risk
AIZ is the more resilient| Metric | ACGL | AIZ |
|---|---|---|
| Beta | -0.34 | 0.11 |
| Sharpe ratio | 0.84 | 1.36 |
| Sortino ratio | 1.19 | 1.85 |
| Max drawdown | -14.1% | -13.2% |
| Current drawdown | -3.7% | -5.5% |
| Annualized volatility | 20.6% | 22.1% |
| Value at risk (95%) | -2% | -2% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, ACGL or AIZ?
On the Algovestiq AIQ Score, AIZ is the stronger of the two as of Oct 31, 2026, scoring 69 against ACGL's 67. The edge comes from risk resilience and quality. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is ACGL or AIZ the better buy right now?
AIZ carries the stronger systematic profile as of Oct 31, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 2 points. Treat the lead as provisional.
Why does the AIQ Score favor AIZ over ACGL?
The composite weights Quality, Value, Momentum and Risk Resilience. AIZ leads Risk Resilience by 11 points; AIZ leads Quality by 5 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, ACGL or AIZ?
Analyst price targets imply +3.1% upside for ACGL and +5.1% for AIZ, so the Street currently favors AIZ. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, ACGL or AIZ?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, ACGL or AIZ?
Growth figures are not covered for both names. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, ACGL or AIZ?
The two are level on Momentum. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, ACGL or AIZ?
AIZ is the more resilient of the two, so the other name carries the higher downside risk. AIZ on Risk Resilience, by 11 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is ACGL more profitable than AIZ?
The profitability evidence is mixed: gross margin 46.2% vs 78.1%; operating margin 27.4% vs 9.9%; ttm roe 19.5% vs 18%. ACGL leads on two measures and AIZ on one measure, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is AIZ's lead over ACGL getting stronger or weaker?
AIZ lead: Stable — the AIQ differential has held near 2 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-29 and 2026-10-28. The lead has changed hands 3 times in that window, most recently on 2026-09-28, when ACGL moved ahead of AIZ.
What would change the ACGL vs AIZ verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: ACGL closes the Risk Resilience gap — currently 11 points behind, the largest single contributor to AIZ's edge; ACGL's existing bullish trend signals translate into factor-score gains — the rules are already firing, but the scores have not yet followed; AIZ's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about ACGL and AIZ?
ACGL: 4 bullish / 0 bearish. AIZ: 4 bullish / 0 bearish. The most decision-relevant rule on ACGL is Golden Cross Active (bullish, long horizon). On AIZ it is Golden Cross Active (bullish, long horizon).
Compare ACGL and AIZ with others
Continue your research
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How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.