Arch Capital Group Ltd. ACGL SPX

Financial Services · Insurance - Diversified · Bermuda

https://www.archgroup.com

Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia. The company operates through three segments: Insurance, Reinsurance, and Mortgage. The Insurance segment offers commercial automobile; commercial multiperil; financial and professional line liability; admitted, excess, and surplus casualty lines; property and short-tail specialty; workers compensation; and casualty insurance. Its Reinsurance segment provides reinsurance products for casualty; marine and aviation; property catastrophe; property excluding property catastrophe; and other specialty products. The Mortgage segment offers U.S. primary mortgage insurance business written predominantly on loans sold to the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation; reinsurance and underwriting services related to the U.S. credit-risk transfer business and other U.S. mortgage reinsurance transactions; and international mortgage insurance and reinsurance business covering loans. It markets its products through a group of licensed independent retail and wholesale brokers. The company was formerly known as Risk Capital Holdings, Inc. Arch Capital Group Ltd. was founded in 1995 and is headquartered in Pembroke, Bermuda.

Market & Price

Market Cap

$31.21B

Current Price

$89.34

High / Low (52W)

$101.98 / $84.72

Beta

0.33

Valuation

Stock P/E

6.87

Industry PE

12.01

Forward P/E

9.02

PEG Ratio

1.05

Book Value

$66.45

Price to Book

1.34

P/S

1.58

EV/EBITDA

5.26

Dividend Yield

Profitability & Returns

ROCE

ROE

21.31%

ROA

4.57%

Profit Margin

24.64%

Op Margin

25.28%

EPS (Latest Qtr)

$2.88

EPS (TTM)

$13.00

Balance Sheet & Liquidity

Debt/Equity

0.11

Quick Ratio

0.27

Current Ratio

0.57

Debt

$2.73B

Total Assets

$79.24B

Current Assets

Working Capital

Ownership

Promoter Holding

2.62%

Chg in Prom Hold

FII / Inst Holding

94.89%

Chg in FII Hold

0.01%

Financial Snapshot

Enterprise Value

$31.03B

Total Revenue (TTM)

$19.78B

EBITDA

$5.90B

Free Cash Flow

$5.28B

Operating Cash Flow

$5.90B

Shares Outstanding

349.39M

Gross Margin

39.37%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

26.14%

Profit 5Y

43.91%

Revenue (YoY)

-3.30%

Earnings (YoY)

94.60%

PROS

Strong return on equity of 21.3%.
Excellent profit margin of 24.6%.
Compounding revenue at 26.1% over 5 years.
Profit CAGR of 43.9% over 5 years.
Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	ACGL Arch Capital Group Ltd. SPX	89.34	6.87	$31.21B	-	-	21.31%	26.14%	43.91%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	1.02B	932.59M	-	1.09B	1.19B	1.20B	-	1.32B	1.41B	1.48B	-	1.28B	1.41B	1.40B	-	1.72B	1.78B	1.68B	-	1.53B	2.30B	2.31B	-	2.27B	2.57B	2.10B	1.94B	2.21B	2.39B	3.17B	3.16B	3.33B	3.94B	4.23B	4.72B	4.59B	4.96B	4.98B	4.76B	4.38B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	713.00M	1.45B	1.54B	1.43B	1.15B
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.00M	38.00M	37.00M	38.00M	37.00M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	678.00M	1.41B	1.50B	1.39B	1.11B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	121.00M	214.00M	215.00M	210.00M	98.00M
Net Income	115.79M	80.03M	-	154.80M	211.06M	252.87M	-	253.13M	185.17M	-33.66M	-	150.42M	243.65M	227.41M	-	448.53M	468.95M	392.45M	326.38M	144.12M	298.82M	419.04M	543.54M	438.16M	675.49M	419.94M	196.00M	404.00M	17.00M	715.00M	671.00M	723.00M	1.12B	1.27B	988.00M	574.00M	1.24B	1.35B	1.24B	1.05B
Diluted EPS	0.88	0.60	0.42	1.20	1.65	1.98	0.50	0.58	0.42	-0.13	0.49	0.33	0.56	0.53	0.31	1.07	1.12	0.92	0.76	0.32	0.71	1.00	1.30	1.05	1.63	0.98	0.48	1.04	0.02	1.87	1.75	1.88	2.92	3.30	2.56	1.48	3.23	3.56	3.35	2.88

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	2.97B	3.50B	3.24B	3.06B	3.48B	3.53B	3.99B	3.94B	4.46B	5.63B	5.45B	6.93B	8.51B	-	9.61B	13.30B	16.93B	19.29B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.62B	3.52B	4.62B	5.13B
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	131.00M	133.00M	141.00M	148.00M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.49B	3.38B	4.47B	4.98B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	80.00M	-873.00M	362.00M	760.00M
Net Income	-	876.95M	842.67M	436.16M	593.40M	709.73M	834.36M	537.74M	692.74M	619.28M	757.97M	1.64B	1.41B	-	1.48B	4.44B	4.31B	4.40B
Diluted EPS	4.09	4.58	5.18	2.97	4.03	5.07	6.02	4.09	1.78	1.36	1.73	3.87	3.32	-	3.80	11.62	11.19	11.60

Compounded Sales Growth

5 Years:	26.14%
1 Year:	-3.30%

Compounded Profit Growth

5 Years:	43.91%
1 Year:	94.60%

Stock Price Performance

1 Year:	-6.00%
6 Months:	-4.56%
3 Months:	-10.79%
1 Month:	-3.65%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	15.38B	16.28B	17.11B	17.82B	19.56B	21.97B	23.14B	29.37B	32.05B	32.22B	37.89B	43.28B	-	47.99B	58.91B	70.91B	79.24B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	239.91M	251.74M	334.57M	362.74M	351.70M	371.04M	434.06M	485.70M	553.33M	842.94M	606.20M	646.56M	726.23M	906.45M	-	855.00M	917.00M	979.00M	993.00M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.92B	13.52B	16.05B	17.52B
Total Liabilities	-	-	11.05B	11.77B	12.51B	12.65B	13.91B	14.89B	16.03B	20.06B	21.81B	21.78B	25.57B	29.29B	-	35.07B	40.55B	50.09B	55.03B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.73B	2.73B	2.73B	2.73B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.73B	2.73B	2.73B	2.73B
Total Equity	-	-	-	-	4.59B	5.17B	5.65B	6.09B	6.17B	8.25B	9.20B	9.44B	11.50B	13.11B	-	12.91B	18.35B	20.82B	24.21B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	588.25M	591.90M	595.60M	599.80M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	1.14B	992.65M	802.07M	866.11M	921.60M	850.87M	-	-	-	1.09B	1.56B	2.05B	2.89B	-	3.82B	5.75B	6.67B	6.17B
Investing Cash Flow	58.39M	-129.76M	16.10M	-538.42M	-395.97M	-1.31B	-	-	-	-1.35B	-554.02M	-1.81B	-3.04B	-	-3.10B	-5.47B	-4.46B	-4.04B
Financing Cash Flow	-1.16B	-785.60M	-785.64M	-337.13M	-513.03M	524.02M	-	-	-	-3.40M	-988.81M	-80.66M	521.28M	-	-706.00M	-69.00M	-1.93B	-1.89B
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-50.00M	-52.00M	-51.00M	-44.00M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.77B	5.70B	6.62B	6.13B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.00M	212.00M	287.00M	246.00M
Share Buybacks	513.13M	458.40M	761.87M	287.56M	172.06M	57.80M	454.14M	365.38M	75.26M	0	282.76M	2.87M	83.47M	1.23B	586.00M	0	24.00M	1.89B

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.8%	26.5%	27.3%	26.6%
Net Margin %	-	25.0%	26.0%	14.2%	17.0%	20.1%	20.9%	13.7%	15.5%	11.0%	13.9%	23.6%	16.5%	-	15.4%	33.4%	25.5%	22.8%
ROE %	-	-	-	9.5%	11.5%	12.6%	13.7%	8.7%	8.4%	6.7%	8.0%	14.2%	10.7%	-	11.4%	24.2%	20.7%	18.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.62%

Institutions

94.89%

Public Float

97.45%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.97%	31.35M	$2.80B
2	Artisan Partners Limited Partnership	6.49%	22.67M	$2.02B
3	Vanguard Capital Management LLC	6.47%	22.61M	$2.02B
4	BAMCO Inc.	4.78%	16.71M	$1.49B
5	State Street Corporation	4.65%	16.25M	$1.45B
6	Vanguard Portfolio Management LLC	4.21%	14.71M	$1.31B
7	WCM Investment Management, LLC	3.61%	12.60M	$1.13B
8	Geode Capital Management, LLC	3.03%	10.59M	$945.78M
9	JPMORGAN CHASE & CO	1.94%	6.78M	$605.87M
10	Northern Trust Corporation	1.28%	4.47M	$399.59M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for ACGL

No recent headlines available.

ACGL · Financial Services