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Arch Capital Group Ltd.

ACGL Financial Insurance Diversified

Arch Capital Group Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $19.9 billion, up 14.3% from fiscal 2024.

Revenue
−8.89%
EPS
−15.1%
Free cash flow
−19.6%
Total debt
+50.5%

Quarter to September 2026, against a year earlier

107.74 2.83 −2.56%
Market cap
$37.7B
P/E
8.8×
Fwd P/E
9.2×
Dividend yield
0.00%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Insider Decisions last twelve months

Bought, $m 0.50
Sold, $m 28.45
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — 1 — — — — — — —
Sell 1 — 1 3 — 1 1 — 1 — — —
Insider Ownership 1.31%

Capital & Financial Ratios $m

Size
Market Cap 37,730.00
Revenue ttm 18,778.00
Net income ttm 4,377.00
Free cash flow ttm 5,629.00
Net debt Q 3,459.00
Valuation
P/E 8.83
Forward P/E 9.24
Price / sales 1.97
Forward P/S Powerpack
Price / FCF 6.58
Price / book 1.67
Financial health
Current ratio Q 0.47
Debt / equity Q 0.20
Interest coverage Q 19.84
Growth
Revenue growth Q −8.89% (below 0%: shrinking)
Operating income growth Q −20.49% (below 0%: shrinking)
EPS, this year +3.18%
EPS, next year A −2.09% (below 0%: weak)
Revenue, next year A −20.89% (below 0%: weak)
EPS, past 5 yrs +28.43% (at or above 15%: strong)
EPS, next 5 yrs A +2.68%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 29.81%
10-year low 10-year high
P/S against its own 10 years 39.24%
10-year low 10-year high
P/B against its own 10 years 76.64%
10-year low 10-year high

Dividends

Yield
0.00%
Annual rate
0.00
Payout ratio
0.00%

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 917 979 993 1,152
Receivables 15,755 18,533 20,358 23,209
Inventory — — — —
Other — — — —
16,672 19,512 21,351 24,361
2023 2024 2025 Q'26
Payables 33,560 41,724 45,967 49,758
ST’ Debt — — — —
Other 1,817 2,165 2,277 2,364
35,377 43,889 48,244 52,122

Compound Annual Growth %

10y 5y 3y
Sales 17.61% 18.56% 27.51%
Cash Flow 19.99% 16.42% 17.38%
Earnings 23.79% 26.16% 44.79%
Book Value 13.36% 11.69% 23.31%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.15 Actual 2.67

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 2.49 2.98 Beat by 0.49
Q1 FY26 2.45 2.50 Beat by 0.05
Q2 FY26 2.49 2.56 Beat by 0.07
Q3 FY26 2.15 2.67 Beat by 0.52
Q4 FY26 2.53 — Reports 8 February 2027

EPS $

Mar Jun Sep Dec Year
’26 2.88 3.00 3.03 — —
’25 1.48 3.23 3.56 3.35 11.60
’24 2.92 3.30 2.56 2.42 11.19
’23 1.87 1.75 1.88 6.12 11.62
’22 0.48 1.04 0.02 2.26 3.80
’21 1.05 1.63 0.98 1.58 5.23
’20 0.32 0.71 1.00 1.30 3.32
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 4,521 4,668 4,655 — —
’25 4,673 5,213 5,109 4,934 19,929
’24 3,941 4,229 4,722 4,548 17,440
’23 3,168 3,162 3,329 3,975 13,634
’22 1,942 2,214 2,386 3,071 9,613
’21 2,266 2,570 2,101 2,311 9,248
’20 1,525 2,295 2,312 2,376 8,509
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 1,188 1,322 1,759 — —
’25 1,458 1,124 2,186 1,404 6,172
’24 1,564 1,518 2,018 1,573 6,673
’23 963 1,151 1,970 1,665 5,749
’22 552 902 1,380 982 3,816
’21 763 850 1,015 797 3,425
’20 610 711 1,010 555 2,887
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1,180 1,308 1,748 — —
’25 1,449 1,112 2,174 1,393 6,128
’24 1,549 1,507 2,006 1,560 6,622
’23 952 1,136 1,959 1,650 5,697
’22 541 890 1,366 969 3,766
’21 750 839 1,004 791 3,384
’20 602 702 1,001 542 2,847
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 5.3% a year for ten years.

Implied
5.3%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

2.2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 4,464 5,627 5,451 6,926 8,509 9,248 9,613 13,634 17,440 19,929 18,778 +18.1% 15,766 15,702 15,889 (7.3%)
Gross margin, % 36.08 33.49 32.20 42.62 33.07 36.33 29.60 37.23 36.97 37.16 37.64 +1.1 pt
EBT 856 757 842 1,847 1,561 2,103 1,487 3,385 4,474 4,979 4,857 +21.6%
EBT margin, % 19.17 13.46 15.44 26.67 18.34 22.74 15.47 24.83 25.65 24.98 25.87 +5.8 pt
Net income 824 630 728 1,693 1,466 2,239 1,482 4,442 4,312 4,399 4,377 +20.5%
Per share, $
Per share, $ Revenue 12.32 13.92 13.48 17.24 21.11 23.61 26.08 36.98 46.82 54.10 55.92 +17.9%
Earnings 1.83 1.36 1.76 3.97 3.38 5.34 3.90 11.94 11.47 11.83 12.49 +23.0%
Cash flow 3.80 2.71 3.86 5.10 7.16 8.74 10.35 15.59 17.91 16.75 16.89 +17.9%
Capex (0.04) (0.06) (0.07) (0.09) (0.10) (0.10) (0.14) (0.14) (0.14) (0.12) (0.13) +12.3%
Free cash flow 3.76 2.65 3.78 5.00 7.06 8.64 10.22 15.45 17.78 16.63 16.76 +18.0%
Book value 25.13 24.84 25.30 30.51 34.56 34.58 35.02 49.78 55.89 65.71 68.47 +11.3%
Shares, m 362 404 404 402 403 392 369 369 373 368 350 +0.2%
Valuation, ×
Valuation, × P/E 15.64 21.22 15.12 10.83 10.67 8.29 16.22 6.33 8.05 8.09 8.83 12.0
P/S 2.32 2.11 1.98 2.49 1.71 1.88 2.40 2.04 1.97 1.77 1.97 2.1
P/B 1.43 1.37 1.14 1.50 1.11 1.37 1.91 1.59 1.72 1.51 1.67 1.5
EV/Sales 2.88 2.62 2.33 2.79 2.02 2.09 2.60 2.19 2.08 1.88 — 2.3
EV/FCF 9.44 13.77 8.31 9.62 6.03 5.72 6.64 5.25 5.49 6.10 — 7.6
Cash, $m
Cash, $m Operating cash flow 1,377 1,095 1,559 2,048 2,887 3,425 3,816 5,749 6,673 6,172 5,673 +18.1%
Capex (15) (23) (30) (38) (40) (41) (50) (52) (51) (44) (44) +12.5%
Free cash flow 1,362 1,072 1,530 2,011 2,847 3,384 3,766 5,697 6,622 6,128 5,629 +18.2%
Balance, $m
Balance, $m Working capital (8,961) (9,916) (10,123) (10,788) (13,246) (14,193) (16,047) (18,705) (24,377) (26,893) (27,761) +13.0%
Net debt 2,485 2,869 1,907 2,106 2,630 1,931 1,965 2,056 1,930 2,044 3,459 (2.1%)
Shareholders’ equity 9,106 10,040 10,231 12,260 13,929 13,546 12,910 18,353 20,820 24,206 22,992 +11.5%
Returns, %
Returns, % ROA 2.53 1.84 2.22 4.55 3.36 4.74 3.09 8.24 6.58 5.81 5.31 +3.3 pt
ROIC 4.77 4.80 4.60 8.65 6.75 8.89 6.37 10.96 12.47 12.51 11.80 +7.7 pt
ROE 9.62 7.12 7.87 15.24 11.08 16.19 11.58 29.75 22.78 20.10 19.25 +10.5 pt
People
People Employees 1,620 3,140 3,642 4,300 4,500 5,200 5,800 6,400 7,200 8,000 — +19.4%
Revenue/emp, $m 2.76 1.79 1.50 1.61 1.89 1.78 1.66 2.13 2.42 2.49 — (1.1%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

Arch Capital Group is a Bermuda-based insurance company founded in 1995 and headquartered in Hamilton. Nicolas Papadopoulo is its chief executive officer. Its principal executive offices are in Pembroke, Bermuda.

Arch sells insurance, reinsurance and mortgage insurance through subsidiaries around the world. Its focus is specialty coverage: policies tailored to particular kinds of risks rather than a single standard product. The business is organized into insurance, reinsurance and mortgage segments.

Arch Capital Group Ltd. vs peers in Insurance Diversified (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BRK.B Berkshire Hathaway Inc. $1.23T 14.4× 25.6× +10.04% (above 0%: growing) +107.85% (above 0%: growing) +6.56% (above 0%: growing) 80.07% 49.52% Compare
BRK.A Berkshire Hathaway Inc. $1.22T 14.4× 25.6× +10.04% (above 0%: growing) +107.75% (above 0%: growing) +6.56% (above 0%: growing) 80.07% 49.52% Compare
AIG American International Group, Inc. $42.3B 13.1× 11.5× +17.19% (above 0%: growing) +71.28% (above 0%: growing) +100.37% (above 0%: growing) 0.00% 0.00% Compare
ACGL Arch Capital Group Ltd. $37.7B 8.8× 9.2× −8.89% (below 0%: shrinking) −15.09% (below 0%: shrinking) −19.60% (below 0%: shrinking) 37.31% 26.42%
HIG The Hartford Insurance Group, Inc. $36.7B 8.2× 9.0× +3.94% (above 0%: growing) +28.27% (above 0%: growing) +67.37% (above 0%: growing) 48.57% 22.62% Compare
AEG Aegon NV $12.6B — (loss-making) 8.4× −53.52% (below 0%: shrinking) −86.85% (below 0%: shrinking) +30.41% (above 0%: growing) 14.93% (11.60%) Compare
BNT Brookfield Wealth Solutions Ltd. $12.4B 48.5× — +38.85% (above 0%: growing) −80.05% (below 0%: shrinking) +154.51% (above 0%: growing) 26.99% 10.58% Compare
PLGO Pelagos Insurance Capital Limited $2.3B 6.7× 7.4× +10.30% (above 0%: growing) +194.44% (above 0%: growing) +92.57% (above 0%: growing) 15.54% 10.68% Compare
XZO Exzeo Group, Inc. $1.6B 17.7× 18.0× +0.04% (above 0%: growing) 0.00% −101.10% (below 0%: shrinking) 62.06% 47.39% Compare
Median of peers $24.6B 14.4× 11.5× +10.04% +49.78% +48.89% 37.78% 16.65%

All 11 Insurance Diversified stocks →

From the latest earnings call

Updated

  • Nicolas Papadopoulo said Arch is managing softer property pricing selectively while continuing to find growth opportunities in casualty-oriented insurance and reinsurance lines.
  • Francois Morin said Arch repurchased $1.2 billion of shares during the quarter and expects interest expense of approximately $60 to $63 million in each of the next two quarters.

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ACGL metrics, ten years each

stockrow.com/ACGL · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com