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ACGLArch Capital Group Ltd.
$91.18$32.5B
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ACGL logoArch Capital Group Ltd.(ACGL)Earnings, Financials & Key Ratios

ACGL•NASDAQ•Insurance & Managed Care
7.8× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryReinsurance (P&C and life)
AboutArch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products worldwide. The company's Insurance segment offers primary and excess casualty coverages; loss sensitive primary casualty insurance programs; collateral protection, debt cancellation, and service contract reimbursement products; directors' and officers' liability, errors and omissions liability, employment practices and fiduciary liability, crime, professional indemnity, and other financial related coverages; medical professional and general liability insurance coverages; and workers' compensation and umbrella liability, as well as commercial automobile and inland marine products. It also provides property, energy, marine, and aviation insurance; travel insurance; accident, disability, and medical plan insurance coverages; captive insurance programs; employer's liability; and contract and commercial surety coverages. This segment markets its products through a group of licensed independent retail and wholesale brokers. Its Reinsurance segment provides casualty reinsurance for third party liability and workers' compensation exposures; marine and aviation; surety, accident and health, workers' compensation catastrophe, agriculture, trade credit, and political risk products; reinsurance protection for catastrophic losses, and personal lines and commercial property exposures; life reinsurance; casualty clash; and risk management solutions. This segment markets its reinsurance products through brokers. The company's Mortgage segment offers direct mortgage insurance and mortgage reinsurance. The company was incorporated in 1995 and is based in Pembroke, Bermuda.Show more
  • Revenue$19.93B+14.3%
  • Combined Ratio75.02%+0.9%
  • Net Income$4.4B+2.0%
  • Return on Equity19.54%-11.2%
  • Medical Cost Ratio62.84%-0.3%
  • Operating Margin24.98%-2.6%
  • Net Margin22.07%-10.7%
  • ROA6.38%-4.0%
  • Equity / Assets36.1%+22.9%

ACGL Key Insights

Arch Capital Group Ltd. (ACGL) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 75.0% combined ratio
  • ✓Excellent 3Y average ROE of 23.3%
  • ✓Strong 5Y profit CAGR of 25.6%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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ACGL Price & Volume

Arch Capital Group Ltd. (ACGL) stock price & volume — 10-year historical chart

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ACGL Growth Metrics

Arch Capital Group Ltd. (ACGL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.49%
5 Years19.17%
3 Years27.32%
TTM14.27%

Profit CAGR

10 Years23.39%
5 Years25.63%
3 Years43.91%
TTM2.02%

EPS CAGR

10 Years23.93%
5 Years28.47%
3 Years45.15%
TTM3.84%

Return on Capital

10 Years7.94%
5 Years12.69%
3 Years15.04%
Last Year11.55%

ACGL Recent Earnings

Arch Capital Group Ltd. (ACGL) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$2.50+0.8%
$2.48
Rev
$4.3B-4.5%
$4.6B
Q1 2026
Feb 9, 2026
Metric
Actual
Est
EPS
$2.98+15.1%
$2.59
Rev
$3.6B-13.0%
$4.2B
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$2.77+22.6%
$2.26
Rev
$5.0B+10.0%
$4.5B
Q3 2025
Jul 29, 2025
Metric
Actual
Est
EPS
$2.58+12.2%
$2.30
Rev
$5.2B+20.0%
$4.3B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$2.50vs $2.48+0.8%
$4.3Bvs $4.6B-4.5%
Q1 2026Feb 9, 2026
$2.98vs $2.59+15.1%
$3.6Bvs $4.2B-13.0%
Q4 2025Oct 27, 2025
$2.77vs $2.26+22.6%
$5.0Bvs $4.5B+10.0%
Q3 2025Jul 29, 2025
$2.58vs $2.30+12.2%
$5.2Bvs $4.3B+20.0%
Based on last 12 quarters of dataView full earnings history →

ACGL Peer Comparison

Arch Capital Group Ltd. (ACGL) competitors in Reinsurance (P&C and life) — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
RNR logoRNRRenaissanceRe Holdings Ltd.Direct Competitor12.91B299.175.289.45%26.93%16.59%0.12
GLRE logoGLREGreenlight Capital Re, Ltd.Direct Competitor532.98M16.077.417.47%11.46%11.68%0.01
PRE logoPREPrenetics Global LimitedDirect Competitor348.51M20.50-7.65201.72%-62.45%-46.76%0.01
AXS logoAXSAXIS Capital Holdings LimitedDirect Competitor7.45B100.998.189.05%16.18%16.93%0.23
MKL logoMKLMarkel CorporationDirect Competitor23.11B1847.1610.92-0.96%10.7%9.56%0.23
ERIE logoERIEErie Indemnity CompanyDirect Competitor10.21B221.1420.827.17%13.2%25.03%
AIG logoAIGAmerican International Group, Inc.Product Competitor39.72B74.0213.63-1.82%11.86%7.7%0.22
HIG logoHIGThe Hartford Financial Services Group, Inc.Product Competitor35.27B128.259.637.1%14.13%22.01%0.23

Compare ACGL vs Peers

Arch Capital Group Ltd. (ACGL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RNR

Most directly comparable listed peer for ACGL.

Scale Benchmark

vs CB

Larger-name benchmark to compare ACGL against a more recognizable public peer.

Peer Set

Compare Top 5

vs RNR, GLRE, PRE, AXS

ACGL Income Statement

Arch Capital Group Ltd. (ACGL) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue
5.37B5.47B6.78B8.29B8.92B9.66B13.29B17.44B19.93B
Revenue Growth %
20.61%1.96%23.88%22.27%7.62%8.21%37.66%31.19%14.27%
Medical Costs & Claims
3.74B3.7B3.97B5.69B5.89B6.77B8.56B10.99B12.52B
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
1.01B982.96M1.08B1.18B1.3B1.52B1.63B1.97B2.43B
OpEx / Revenue %
18.84%17.96%15.99%14.27%14.56%15.71%12.25%11.31%12.18%
Depreciation & Amortization
125.78M105.67M82.1M69.03M82M106M95M235M193M
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
740.77M901.8M1.81B1.48B1.82B1.48B3.2B4.71B5.17B
EBITDA Margin %
13.8%16.47%26.62%17.89%20.38%15.3%24.09%27%25.95%
Interest Expense
117.43M120.48M120.87M143.46M139M131M133M141M148M
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
127.57M113.95M155.81M111.84M128M80M-873M362M760M
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)
1.401.873.973.385.343.9011.9411.4711.84
Diluted Shares Outstanding
417.79M412.91M411.61M410.26M400.35M377.61M378.8M381.8M376.1M

ACGL Balance Sheet

Arch Capital Group Ltd. (ACGL) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets
32.05B32.22B37.89B43.28B45.1B47.99B58.91B70.91B67.06B
Asset Growth %
9.12%0.52%17.59%14.25%4.2%6.41%22.75%20.37%-5.43%
Total Investment Assets
37.2B37.46B41.49B46.96B27.78B28.27B35.04B41.83B47.82B
Long-Term Investments
21.36B21.47B23.26B25.76B21.5B22.63B27.91B33.5B37.45B
Short-Term Investments
15.84B15.99B18.23B21.2B6.28B5.64B7.13B8.33B10.55B
Total Current Assets
000019.36B20.39B24.04B28.14B8.99B
Cash & Equivalents
606.2M646.56M726.23M906.45M858.67M855M917M979M993M
Receivables
5.65B6.3B8.24B8.55B10.49B12.09B13.82B16.4B7.99B
Other Current Assets
-23.03B-23.91B-28.43B-31.89B0000-13.21B
Goodwill & Intangibles
652.61M634.92M738.08M692.86M1.85B2.07B2.26B3.08B2.94B
Goodwill
198.24M249.62M326.55M314.63M344.87M342M345M571M607M
Intangible Assets
454.38M385.3M411.53M378.23M1.5B1.73B1.92B2.51B2.33B
PP&E (Net)
000000000
Other Assets
-22.02B-22.11B-24B-26.45B2.39B2.91B4.7B6.18B17.68B
Total Liabilities
21.81B21.78B25.57B29.29B31.55B35.07B40.55B50.09B42.85B
Total Debt
2.55B2.19B2.36B3.02B2.72B2.73B2.73B2.73B2.73B
Net Debt
1.94B1.54B1.63B2.11B1.87B1.87B1.81B1.75B1.74B
Long-Term Debt
1.73B1.73B1.87B2.86B2.72B2.73B2.73B2.73B2.73B
Short-Term Debt
816.13M455.68M484.29M155.69M00000
Total Current Liabilities
000027.49B30.98B35.88B44.32B7.44B
Accounts Payable
2.3B2.47B2.79B2.68B3.42B3.26B3.82B4.3B4.6B
Deferred Revenue
00006.01B7.34B8.81B10.22B7.44B
Other Current Liabilities
-3.12B-2.93B-3.27B-2.83B18B20.28B23.01B29.62B-4.91B
Deferred Taxes
000000000
Other Liabilities
-1.73B-1.73B-1.87B-2.86B1.33B1.37B1.94B3.04B32.68B
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
9.2B9.44B11.5B13.11B13.55B12.91B18.35B20.82B24.21B
Minority Interest
1.05B997.85M818.18M881.55M9.23M11M2M00
Retained Earnings
8.56B9.43B11.02B12.36B14.46B15.89B20.3B22.69B27.05B
Common Stock
611K634K638K643K648K1M1M1M1M
Accumulated OCI
118.04M-178.72M212.09M488.89M-64.6M-1.65B-676M-720M5M
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
0.25x0.21x0.19x0.22x0.20x0.21x0.15x0.13x0.11x
Book Value per Share
24.5225.2829.9234.0933.8634.2248.4654.5364.36
Tangible BV per Share
22.9623.7428.1332.4129.2528.7442.4846.4556.55

ACGL Cash Flow Statement

Arch Capital Group Ltd. (ACGL) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
1.11B1.56B2.05B2.89B3.43B3.82B5.75B6.67B6.17B
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
629.71M727.82M1.69B1.47B2.24B1.48B4.44B4.31B4.4B
Depreciation & Amortization
125.78M105.67M82.1M69.03M82.95M106.2M95M235M193M
Stock-Based Compensation
67.8M55.78M66.42M71.26M88M88M93M133M148M
Deferred Taxes
000000000
Other Non-Cash Items
-246.92M427.07M-391.98M-892.58M-889.86M804.38M-33M-673M-1.31B
Working Capital Changes
518.51M242.98M598.62M2.17B1.91B1.33B1.15B2.67B2.75B
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
-27.71M000-1.1B1.55B0852M0
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
39.18B35.13B30.94B41.18B38.06B15.8B15.99B31.24B36.07B
Other Investing
123.01M202.62M-410.68M19.01M-523.86M-1.43B-23M-30M106M
Cash from Financing
-3.4M-988.81M-80.66M521.28M-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
006.2M1.88M6M6M07M50M
Debt Issuance (Net)
1000K-1000K1000K1000K00000
Other Financing
-82.42M-206.1M-193.28M-15.31M51.45M-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-19.13M17.74M22.29M-34.05M-50M13M-25M61M
Cash at Beginning
842.94M727.28M724.64M903.7M1.29B1.31B1.27B1.5B1.76B
Cash at End
606.2M724.64M903.7M1.29B1.31B1.27B1.5B1.76B2.07B
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
2.613.74.886.948.469.9715.0417.3416.29

ACGL Key Ratios

Arch Capital Group Ltd. (ACGL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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
24.8924.5225.2829.9234.0933.8634.2248.4654.5364.36
Debt / Equity
0.27x0.25x0.21x0.19x0.22x0.20x0.21x0.15x0.13x0.11x
Revenue Growth
11.93%20.61%1.96%23.88%22.27%7.62%8.21%37.66%31.19%14.27%
Related:ACGL Dividend History·ACGL Revenue History·ACGL Price History·ACGL P/E History·ACGL Financial Ratios·ACGL Institutional Holders

ACGL SEC Filings & Documents

Arch Capital Group Ltd. (ACGL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Apr 20, 2026·SEC

Material company update

Feb 26, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

5
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 7, 2025·SEC

ACGL Frequently Asked Questions

Arch Capital Group Ltd. (ACGL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

Arch Capital Group Ltd. (ACGL) has a combined ratio of 75.0%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in ACGL back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in ACGL be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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