8-K Announcements
6Apr 28, 2026·SEC
Apr 20, 2026·SEC
Feb 26, 2026·SEC
Arch Capital Group Ltd. (ACGL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Arch Capital Group Ltd. (ACGL) stock price & volume — 10-year historical chart
Arch Capital Group Ltd. (ACGL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Arch Capital Group Ltd. (ACGL) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $2.50vs $2.48+0.8% | $4.3Bvs $4.6B-4.5% |
| Q1 2026 | Feb 9, 2026 | $2.98vs $2.59+15.1% | $3.6Bvs $4.2B-13.0% |
| Q4 2025 | Oct 27, 2025 | $2.77vs $2.26+22.6% | $5.0Bvs $4.5B+10.0% |
| Q3 2025 | Jul 29, 2025 | $2.58vs $2.30+12.2% | $5.2Bvs $4.3B+20.0% |
Arch Capital Group Ltd. (ACGL) competitors in Reinsurance (P&C and life) — business model, growth, and fundamentals comparison
Arch Capital Group Ltd. (ACGL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Arch Capital Group Ltd. (ACGL) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.37B | 5.47B | 6.78B | 8.29B | 8.92B | 9.66B | 13.29B | 17.44B | 19.93B |
| Revenue Growth % | 20.61% | 1.96% | 23.88% | 22.27% | 7.62% | 8.21% | 37.66% | 31.19% | 14.27% |
| Medical Costs & Claims | 3.74B | 3.7B | 3.97B | 5.69B | 5.89B | 6.77B | 8.56B | 10.99B | 12.52B |
| Medical Cost Ratio % | 69.71% | 67.5% | 58.6% | 68.68% | 65.98% | 70.08% | 64.37% | 63.03% | 62.84% |
| Gross Profit | 1.63B▲ 0% | 1.78B▲ 9.4% | 2.81B▲ 57.8% | 2.6B▼ 7.5% | 3.04B▲ 16.9% | 2.89B▼ 4.8% | 4.74B▲ 63.9% | 6.45B▲ 36.1% | 7.41B▲ 14.9% |
| Gross Margin % | 30.29% | 32.5% | 41.4% | 31.32% | 34.02% | 29.92% | 35.63% | 36.97% | 37.16% |
| Gross Profit Growth % | 1.75% | 9.39% | 57.79% | -7.48% | 16.89% | -4.84% | 63.93% | 36.13% | 14.88% |
| Operating Expenses | 1.01B | 982.96M | 1.08B | 1.18B | 1.3B | 1.52B | 1.63B | 1.97B | 2.43B |
| OpEx / Revenue % | 18.84% | 17.96% | 15.99% | 14.27% | 14.56% | 15.71% | 12.25% | 11.31% | 12.18% |
| Depreciation & Amortization | 125.78M | 105.67M | 82.1M | 69.03M | 82M | 106M | 95M | 235M | 193M |
| Combined Ratio % | 88.55% | 85.46% | 74.59% | 82.95% | 80.54% | 85.79% | 76.63% | 74.35% | 75.02% |
| Operating Income | 614.99M▲ 0% | 796.13M▲ 29.5% | 1.72B▲ 116.4% | 1.41B▼ 17.9% | 1.74B▲ 22.8% | 1.37B▼ 21.0% | 3.11B▲ 126.5% | 4.47B▲ 44.0% | 4.98B▲ 11.3% |
| Operating Margin % | 11.45% | 14.54% | 25.41% | 17.05% | 19.46% | 14.21% | 23.37% | 25.65% | 24.98% |
| Operating Income Growth % | -23.8% | 29.45% | 116.45% | -17.94% | 22.84% | -21.01% | 126.46% | 44% | 11.29% |
| EBITDA | 740.77M | 901.8M | 1.81B | 1.48B | 1.82B | 1.48B | 3.2B | 4.71B | 5.17B |
| EBITDA Margin % | 13.8% | 16.47% | 26.62% | 17.89% | 20.38% | 15.3% | 24.09% | 27% | 25.95% |
| Interest Expense | 117.43M | 120.48M | 120.87M | 143.46M | 139M | 131M | 133M | 141M | 148M |
| Non-Operating Income | -259.72M | -166.13M | -244.54M | -290.15M | -505M | -246M | -411M | -141M | -180M |
| Pretax Income | 757.28M▲ 0% | 841.77M▲ 11.2% | 1.85B▲ 119.7% | 1.58B▼ 14.7% | 2.37B▲ 50.0% | 1.56B▼ 34.0% | 3.57B▲ 128.5% | 4.67B▲ 31.0% | 5.16B▲ 10.4% |
| Pretax Margin % | 14.1% | 15.38% | 27.27% | 19.03% | 26.52% | 16.17% | 26.85% | 26.8% | 25.89% |
| Income Tax | 127.57M | 113.95M | 155.81M | 111.84M | 128M | 80M | -873M | 362M | 760M |
| Effective Tax Rate % | 16.85% | 13.54% | 8.43% | 7.09% | 5.41% | 5.12% | -24.46% | 7.74% | 14.73% |
| Net Income | 619.28M▲ 0% | 757.97M▲ 22.4% | 1.64B▲ 115.9% | 1.41B▼ 14.1% | 2.16B▲ 53.5% | 1.48B▼ 31.6% | 4.44B▲ 201.0% | 4.31B▼ 2.9% | 4.4B▲ 2.0% |
| Net Margin % | 11.53% | 13.85% | 24.13% | 16.95% | 24.17% | 15.28% | 33.42% | 24.72% | 22.07% |
| Net Income Growth % | -10.6% | 22.4% | 115.88% | -14.1% | 53.47% | -31.57% | 201.02% | -2.95% | 2.02% |
| EPS (Diluted) | 1.36▲ 0% | 1.84▲ 35.3% | 3.87▲ 110.3% | 3.32▼ 14.2% | 5.23▲ 57.5% | 3.80▼ 27.3% | 11.62▲ 205.8% | 11.19▼ 3.7% | 11.62▲ 3.8% |
| EPS Growth % | -23.6% | 35.29% | 110.33% | -14.21% | 57.53% | -27.34% | 205.79% | -3.7% | 3.84% |
| EPS (Basic) | 1.40 | 1.87 | 3.97 | 3.38 | 5.34 | 3.90 | 11.94 | 11.47 | 11.84 |
| Diluted Shares Outstanding | 417.79M | 412.91M | 411.61M | 410.26M | 400.35M | 377.61M | 378.8M | 381.8M | 376.1M |
Arch Capital Group Ltd. (ACGL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 32.05B | 32.22B | 37.89B | 43.28B | 45.1B | 47.99B | 58.91B | 70.91B | 67.06B |
| Asset Growth % | 9.12% | 0.52% | 17.59% | 14.25% | 4.2% | 6.41% | 22.75% | 20.37% | -5.43% |
| Total Investment Assets | 37.2B | 37.46B | 41.49B | 46.96B | 27.78B | 28.27B | 35.04B | 41.83B | 47.82B |
| Long-Term Investments | 21.36B | 21.47B | 23.26B | 25.76B | 21.5B | 22.63B | 27.91B | 33.5B | 37.45B |
| Short-Term Investments | 15.84B | 15.99B | 18.23B | 21.2B | 6.28B | 5.64B | 7.13B | 8.33B | 10.55B |
| Total Current Assets | 0 | 0 | 0 | 0 | 19.36B | 20.39B | 24.04B | 28.14B | 8.99B |
| Cash & Equivalents | 606.2M | 646.56M | 726.23M | 906.45M | 858.67M | 855M | 917M | 979M | 993M |
| Receivables | 5.65B | 6.3B | 8.24B | 8.55B | 10.49B | 12.09B | 13.82B | 16.4B | 7.99B |
| Other Current Assets | -23.03B | -23.91B | -28.43B | -31.89B | 0 | 0 | 0 | 0 | -13.21B |
| Goodwill & Intangibles | 652.61M | 634.92M | 738.08M | 692.86M | 1.85B | 2.07B | 2.26B | 3.08B | 2.94B |
| Goodwill | 198.24M | 249.62M | 326.55M | 314.63M | 344.87M | 342M | 345M | 571M | 607M |
| Intangible Assets | 454.38M | 385.3M | 411.53M | 378.23M | 1.5B | 1.73B | 1.92B | 2.51B | 2.33B |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | -22.02B | -22.11B | -24B | -26.45B | 2.39B | 2.91B | 4.7B | 6.18B | 17.68B |
| Total Liabilities | 21.81B | 21.78B | 25.57B | 29.29B | 31.55B | 35.07B | 40.55B | 50.09B | 42.85B |
| Total Debt | 2.55B | 2.19B | 2.36B | 3.02B | 2.72B | 2.73B | 2.73B | 2.73B | 2.73B |
| Net Debt | 1.94B | 1.54B | 1.63B | 2.11B | 1.87B | 1.87B | 1.81B | 1.75B | 1.74B |
| Long-Term Debt | 1.73B | 1.73B | 1.87B | 2.86B | 2.72B | 2.73B | 2.73B | 2.73B | 2.73B |
| Short-Term Debt | 816.13M | 455.68M | 484.29M | 155.69M | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 0 | 0 | 0 | 0 | 27.49B | 30.98B | 35.88B | 44.32B | 7.44B |
| Accounts Payable | 2.3B | 2.47B | 2.79B | 2.68B | 3.42B | 3.26B | 3.82B | 4.3B | 4.6B |
| Deferred Revenue | 0 | 0 | 0 | 0 | 6.01B | 7.34B | 8.81B | 10.22B | 7.44B |
| Other Current Liabilities | -3.12B | -2.93B | -3.27B | -2.83B | 18B | 20.28B | 23.01B | 29.62B | -4.91B |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | -1.73B | -1.73B | -1.87B | -2.86B | 1.33B | 1.37B | 1.94B | 3.04B | 32.68B |
| Total Equity | 10.25B▲ 0% | 10.44B▲ 1.9% | 12.32B▲ 18.0% | 13.99B▲ 13.6% | 13.56B▼ 3.1% | 12.92B▼ 4.7% | 18.36B▲ 42.1% | 20.82B▲ 13.4% | 24.21B▲ 16.3% |
| Equity Growth % | 10.04% | 1.87% | 17.99% | 13.58% | -3.09% | -4.68% | 42.06% | 13.43% | 16.26% |
| Shareholders Equity | 9.2B | 9.44B | 11.5B | 13.11B | 13.55B | 12.91B | 18.35B | 20.82B | 24.21B |
| Minority Interest | 1.05B | 997.85M | 818.18M | 881.55M | 9.23M | 11M | 2M | 0 | 0 |
| Retained Earnings | 8.56B | 9.43B | 11.02B | 12.36B | 14.46B | 15.89B | 20.3B | 22.69B | 27.05B |
| Common Stock | 611K | 634K | 638K | 643K | 648K | 1M | 1M | 1M | 1M |
| Accumulated OCI | 118.04M | -178.72M | 212.09M | 488.89M | -64.6M | -1.65B | -676M | -720M | 5M |
| Return on Equity (ROE) | 6.33% | 7.33% | 14.38% | 10.69% | 15.66% | 11.15% | 28.41% | 22.01% | 19.54% |
| Return on Assets (ROA) | 2.02% | 2.36% | 4.67% | 3.46% | 4.88% | 3.17% | 8.31% | 6.64% | 6.38% |
| Equity / Assets | 31.97% | 32.4% | 32.51% | 32.32% | 30.06% | 26.92% | 31.16% | 29.36% | 36.1% |
| Debt / Equity | 0.25x | 0.21x | 0.19x | 0.22x | 0.20x | 0.21x | 0.15x | 0.13x | 0.11x |
| Book Value per Share | 24.52 | 25.28 | 29.92 | 34.09 | 33.86 | 34.22 | 48.46 | 54.53 | 64.36 |
| Tangible BV per Share | 22.96 | 23.74 | 28.13 | 32.41 | 29.25 | 28.74 | 42.48 | 46.45 | 56.55 |
Arch Capital Group Ltd. (ACGL) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.11B | 1.56B | 2.05B | 2.89B | 3.43B | 3.82B | 5.75B | 6.67B | 6.17B |
| Operating CF Growth % | -20.34% | 40.15% | 31.37% | 40.91% | 18.74% | 11.33% | 50.66% | 16.07% | -7.51% |
| Operating CF / Revenue % | 20.72% | 28.48% | 30.21% | 34.81% | 38.41% | 39.52% | 43.25% | 38.26% | 30.97% |
| Net Income | 629.71M | 727.82M | 1.69B | 1.47B | 2.24B | 1.48B | 4.44B | 4.31B | 4.4B |
| Depreciation & Amortization | 125.78M | 105.67M | 82.1M | 69.03M | 82.95M | 106.2M | 95M | 235M | 193M |
| Stock-Based Compensation | 67.8M | 55.78M | 66.42M | 71.26M | 88M | 88M | 93M | 133M | 148M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -246.92M | 427.07M | -391.98M | -892.58M | -889.86M | 804.38M | -33M | -673M | -1.31B |
| Working Capital Changes | 518.51M | 242.98M | 598.62M | 2.17B | 1.91B | 1.33B | 1.15B | 2.67B | 2.75B |
| Cash from Investing | -1.36B | -554.02M | -1.81B | -3.04B | -2.14B | -3.1B | -5.47B | -4.46B | -4.04B |
| Capital Expenditures | -22.84M | -29.81M | -37.84M | -39.87M | -41.39M | -51.67M | -52M | -51M | -44M |
| Acquisitions | -27.71M | 0 | 0 | 0 | -1.1B | 1.55B | 0 | 852M | 0 |
| Purchase of Investments | -40.61B | -35.86B | -32.3B | -44.2B | -38.53B | -18.98B | -21.39B | -36.47B | -40.17B |
| Sale/Maturity of Investments | 39.18B | 35.13B | 30.94B | 41.18B | 38.06B | 15.8B | 15.99B | 31.24B | 36.07B |
| Other Investing | 123.01M | 202.62M | -410.68M | 19.01M | -523.86M | -1.43B | -23M | -30M | 106M |
| Cash from Financing | -3.4M | -988.81M | -80.66M | 521.28M | -1.23B | -706M | -69M | -1.93B | -1.89B |
| Dividends Paid | -46.04M | -41.65M | -41.61M | -41.61M | -47M | -40M | -40M | -1.91B | -47M |
| Share Repurchases | -251.05M | -382.93M | -2.87M | -83.47M | -1.23B | -586M | -2M | -24M | -1.89B |
| Stock Issued | 0 | 0 | 6.2M | 1.88M | 6M | 6M | 0 | 7M | 50M |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | 0 | 0 | 0 | 0 | 0 |
| Other Financing | -82.42M | -206.1M | -193.28M | -15.31M | 51.45M | -86M | -27M | -2M | -4M |
| Net Change in Cash | -236.74M▲ 0% | -2.64M▲ 98.9% | 179.06M▲ 6879.8% | 386.85M▲ 116.0% | 24.23M▼ 93.7% | -41M▼ 269.2% | 225M▲ 648.8% | 262M▲ 16.4% | 307M▲ 17.2% |
| Exchange Rate Effect | 14.04M | -19.13M | 17.74M | 22.29M | -34.05M | -50M | 13M | -25M | 61M |
| Cash at Beginning | 842.94M | 727.28M | 724.64M | 903.7M | 1.29B | 1.31B | 1.27B | 1.5B | 1.76B |
| Cash at End | 606.2M | 724.64M | 903.7M | 1.29B | 1.31B | 1.27B | 1.5B | 1.76B | 2.07B |
| Free Cash Flow | 1.09B▲ 0% | 1.53B▲ 40.4% | 2.01B▲ 31.5% | 2.85B▲ 41.6% | 3.39B▲ 19.0% | 3.76B▲ 11.1% | 5.7B▲ 51.4% | 6.62B▲ 16.2% | 6.13B▼ 7.5% |
| FCF Growth % | -21.11% | 40.35% | 31.45% | 41.58% | 18.95% | 11.15% | 51.37% | 16.24% | -7.46% |
| FCF Margin % | 20.3% | 27.94% | 29.65% | 34.33% | 37.94% | 38.97% | 42.85% | 37.97% | 30.75% |
| FCF per Share | 2.61 | 3.7 | 4.88 | 6.94 | 8.46 | 9.97 | 15.04 | 17.34 | 16.29 |
Arch Capital Group Ltd. (ACGL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 81.87% | 88.55% | 85.46% | 74.59% | 82.95% | 80.54% | 85.79% | 76.63% | 74.35% | 75.02% |
| Medical Cost Ratio | 64.09% | 69.71% | 67.5% | 58.6% | 68.68% | 65.98% | 70.08% | 64.37% | 63.03% | 62.84% |
| Return on Equity (ROE) | 8.44% | 6.33% | 7.33% | 14.38% | 10.69% | 15.66% | 11.15% | 28.41% | 22.01% | 19.54% |
| Return on Assets (ROA) | 2.64% | 2.02% | 2.36% | 4.67% | 3.46% | 4.88% | 3.17% | 8.31% | 6.64% | 6.38% |
| Equity / Assets | 31.7% | 31.97% | 32.4% | 32.51% | 32.32% | 30.06% | 26.92% | 31.16% | 29.36% | 36.1% |
| Book Value / Share | 24.89 | 24.52 | 25.28 | 29.92 | 34.09 | 33.86 | 34.22 | 48.46 | 54.53 | 64.36 |
| Debt / Equity | 0.27x | 0.25x | 0.21x | 0.19x | 0.22x | 0.20x | 0.21x | 0.15x | 0.13x | 0.11x |
| Revenue Growth | 11.93% | 20.61% | 1.96% | 23.88% | 22.27% | 7.62% | 8.21% | 37.66% | 31.19% | 14.27% |
Arch Capital Group Ltd. (ACGL) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 28, 2026·SEC
Apr 20, 2026·SEC
Feb 26, 2026·SEC
Arch Capital Group Ltd. (ACGL) stock FAQ — growth, dividends, profitability & financials explained
Arch Capital Group Ltd. (ACGL) grew revenue by 14.3% over the past year. This is steady growth.
Yes, Arch Capital Group Ltd. (ACGL) is profitable, generating $4.40B in net income for fiscal year 2025 (22.1% net margin).
Arch Capital Group Ltd. (ACGL) does not currently pay a meaningful dividend. The company may be reinvesting profits for growth.
Arch Capital Group Ltd. (ACGL) has a return on equity (ROE) of 19.5%. This is reasonable for most industries.
Arch Capital Group Ltd. (ACGL) has a combined ratio of 75.0%. A ratio below 100% indicates underwriting profitability.
Arch Capital Group Ltd. (ACGL) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates