Saturday 17 October 2026 Export ACGL’s income statement to Excel — free account

Arch Capital Group Ltd.

Arch Capital Group Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $19.9 billion, up 14.3% from fiscal 2024. In the quarter to June 2026, revenue fell 10.5%, EPS fell 7.58%, free cash flow grew 17.6% and total debt rose 56.9%, each against the same quarter a year earlier. Member of the S&P 500; revenue growth for five consecutive years; insiders bought in the last twelve months.

101.27 1.96 +1.97%

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Market cap: $33.9B
P/E: 7.8×
Fwd P/E: 9.1×
Dividend yield: 0.00%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios Filings 10-Q 10-K

Insider Decisions trades per month

Total buys 0.50

Total sells 29.21

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	1	—	—	—	—	—	—
Sell	1	1	—	1	3	—	1	1	—	1	—	—

Insider Ownership 3.44%

Capital & Financial Ratios $m

Market Cap 33,890.00

Revenue 19,232.00

Net Income 4,692.00

Free Cash Flow 6,055.00

Net Debt 4,313.00

Current Ratio 0.48

Debt/Equity 0.23

P/E ratio 7.77

Fwd P/E 9.05

P/S ratio 1.81

P/B ratio 1.50

Past 5Y EPS Growth 28.43%

This Y EPS Growth (0.79%)

Next Y EPS Growth 0.15%

Next Y revenue growth (20.78%)

Next 5Y EPS Growth 2.18%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 16.07%

10-year low 10-year high

P/S against its own 10 years 25.80%

10-year low 10-year high

P/B against its own 10 years 60.01%

10-year low 10-year high

Dividends

Payout Ratio 0.00

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	Powerpack
2025	Powerpack
2024	0.00	5.00
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	917	979	993	1,109
Receivables	15,755	18,533	20,358	23,621
Inventory	—	—	—	—
Other	—	—	—	—
	16,672	19,512	21,351	24,730

	2023	2024	2025	Q'26
Payables	33,560	41,724	45,967	49,502
ST’ Debt	—	—	—	—
Other	1,817	2,165	2,277	2,270
	35,377	43,889	48,244	51,772

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	4,521	4,668	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	2.88	3.00	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	19.94	28.07	24.79	25.07	20.93	31.23	41.05	60.70	74.28	82.45	Analyst estimates 2026–2028 Powerpack
	High	29.47	34.20	31.59	43.03	48.32	44.92	63.88	90.65	116.47	97.60
People
People	Employees	1,620	3,140	3,642	4,300	4,500	5,200	5,800	6,400	7,200	8,000
	Revenue/emp, $m	2.76	1.79	1.50	1.61	1.89	1.78	1.66	2.13	2.42	2.49
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
	Gross margin, %	36.08	33.49	32.20	42.62	33.07	36.33	29.60	37.23	36.97	37.16
	EBT	856	757	842	1,847	1,561	2,103	1,487	3,385	4,474	4,979
	EBT margin, %	19.17	13.46	15.44	26.67	18.34	22.74	15.47	24.83	25.65	24.98
	Net income	824	630	728	1,693	1,466	2,239	1,482	4,442	4,312	4,399
	Depreciation	19	126	106	82	69	82	106	95	235	193
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
	Earnings	1.83	1.36	1.76	3.97	3.38	5.34	3.90	11.94	11.47	11.83
	Cash flow	3.80	2.71	3.86	5.10	7.16	8.74	10.35	15.59	17.91	16.75
	Capex	(0.04)	(0.06)	(0.07)	(0.09)	(0.10)	(0.10)	(0.14)	(0.14)	(0.14)	(0.12)
	Free cash flow	3.76	2.65	3.78	5.00	7.06	8.64	10.22	15.45	17.78	16.63
	Book value	25.13	24.84	25.30	30.51	34.56	34.58	35.02	49.78	55.89	65.71
	Shares, m	362	404	404	402	403	392	369	369	373	368
Valuation, ×
Valuation, ×	P/E	15.64	21.22	15.12	10.83	10.67	8.29	16.22	6.33	8.05	8.09
	P/S	2.32	2.11	1.98	2.49	1.71	1.88	2.40	2.04	1.97	1.77
	P/B	1.43	1.37	1.14	1.50	1.11	1.37	1.91	1.59	1.72	1.51
	EV/Sales	2.88	2.62	2.33	2.79	2.02	2.09	2.60	2.19	2.08	1.88
	EV/FCF	9.44	13.77	8.31	9.62	6.03	5.72	6.64	5.25	5.49	6.10
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
	Capex	(15)	(23)	(30)	(38)	(40)	(41)	(50)	(52)	(51)	(44)
	Free cash flow	1,362	1,072	1,530	2,011	2,847	3,384	3,766	5,697	6,622	6,128
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)
	Total debt	3,328	3,475	2,553	2,832	3,537	2,789	2,820	2,973	2,909	3,037
	Net debt	2,485	2,869	1,907	2,106	2,630	1,931	1,965	2,056	1,930	2,044
	Shareholders’ equity	9,106	10,040	10,231	12,260	13,929	13,546	12,910	18,353	20,820	24,206
Returns, %
Returns, %	ROA	2.53	1.84	2.22	4.55	3.36	4.74	3.09	8.24	6.58	5.81
	ROIC	4.77	4.80	4.60	8.65	6.75	8.89	6.37	10.96	12.47	12.51
	ROE	9.62	7.12	7.87	15.24	11.08	16.19	11.58	29.75	22.78	20.10

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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.A Berkshire Hathaway Inc.	$1.13T	20,005×	23.8×	+10.04% (above 0%: growing)	+107.15% (above 0%: growing)	+6.56% (above 0%: growing)	80.07%	49.52%	Compare
AIG American International Group, Inc.	$41.4B	14.7×	11.0×	−0.08% (below 0%: shrinking)	−10.50% (below 0%: shrinking)	+23.36% (above 0%: growing)	32.04%	19.25%	Compare
HIG The Hartford Insurance Group, Inc.	$36.0B	8.7×	10.0×	+8.14% (above 0%: growing)	+35.53% (above 0%: growing)	+4.24% (above 0%: growing)	43.81%	17.64%	Compare
ACGL Arch Capital Group Ltd.	$33.9B	7.8×	9.1×	−10.45% (below 0%: shrinking)	−7.58% (below 0%: shrinking)	+17.63% (above 0%: growing)	37.57%	25.90%
AEG Aegon NV	$12.2B	— (loss-making)	8.9×	−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.	$10.9B	42.5×	—	+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	$2.1B	6.1×	5.8×	+10.30% (above 0%: growing)	+194.44% (above 0%: growing)	+92.57% (above 0%: growing)	15.54%	10.68%	Compare
XZO Exzeo Group, Inc.	$1.5B	17.0×	13.1×	+3.02% (above 0%: growing)	−5.49% (below 0%: shrinking)	−59.20% (below 0%: shrinking)	63.75%	49.26%	Compare
IGIC International General Insurance Holdings Ltd.	$1.0B	9.9×	8.3×	+8.70% (above 0%: growing)	−36.36% (below 0%: shrinking)	−54.63% (below 0%: shrinking)	23.60%	4.88%	Compare
Median of peers	$11.6B	14.7×	10.0×	+8.42%	−7.99%	+14.96%	29.52%	14.16%

All 11 Insurance Diversified stocks →