Arch Capital Group

Financials Property & Casualty Insurance Hamilton, Bermuda Last filing Feb 26, 2026 · FY2025

                    Revenue
                    FY2025
                
$19.9B
                    3y CAGR +27.5%
                    
                    P84
                    
                    +14.3%
                    
                    Net income
                    FY2025
                
$4.4B
                    Net margin +22.1%
                    
                    P66
                    
                    +2.0%
                    
                    Total assets
                    FY2025
                
$79.2B
                    ROA +5.6%
                    
                    P75
                    
                    +11.8%
                    
                    Operating cash flow
                    FY2025
                
$6.2B
                    
                    -7.5%

18 yrs · FY2008–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Running CAGR since the earliest displayed year.

Balance Sheet

Assets, liabilities, and equity

19 accounts · 5 years

Total assets $79.2B

Total liabilities $55.0B

Shareholders equity $24.2B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	+3.7%	+4.5%	+3.3%	-0.4%	—
Short Term Investments	—	-2.4%	-18.9%	-52.3%	—
Other Current Assets	+29.0%	+36.4%	+39.3%	+19.0%	—
Intangible Assets	—	+9.9%	-22.7%	-25.7%	—
Long Term Investments	+20.3%	+24.8%	+21.8%	+22.6%	—
Other Noncurrent Assets	+29.0%	+36.4%	+39.3%	+19.0%	—
Total Assets	+15.1%	+16.3%	+14.3%	+6.4%	—
Liabilities
Other Current Liabilities	+27.5%	+31.7%	+20.8%	+2.8%	—
Total Current Liabilities	+14.9%	+16.7%	+13.4%	+11.2%	—
Other Noncurrent Liabilities	+27.5%	+31.7%	+20.8%	+2.8%	—
Total Liabilities	+14.9%	+16.7%	+13.4%	+11.2%	—
Equity
Preferred Stock	+0.0%	+0.0%	+0.0%	+0.0%	—
Common Stock	+11.5%	+15.6%	+24.2%	+0.9%	—
Additional Paid In Capital	+7.0%	+6.4%	+5.6%	+6.1%	—
Retained Earnings	+17.0%	+16.2%	+18.5%	+9.9%	—
Treasury Stock	+14.3%	+6.1%	+8.5%	+16.4%	—
Accumulated Other Comprehensive Income	—	—	—	—	—
Total Stockholders Equity	+15.6%	+15.4%	+16.4%	-4.7%	—
Total Liabilitiesand Equity	+15.1%	+16.3%	+14.3%	+6.4%	—

Income Statement

Revenue, expense, and profitability

16 accounts · 5 years

Revenue $19.9B

Operating income $4.4B

Net income $4.4B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	+21.2%	+23.5%	+21.4%	+3.9%	—
Expenses Selling,General and Administrative	+14.1%	+36.9%	+14.4%	+21.8%	—
Expenses Depreciation and Amortization	+23.9%	+42.0%	+7.6%	+29.3%	—
Expenses Share Based Compensation	+13.9%	+14.8%	+2.8%	+0.0%	—
Other Income Expense Operating Income	+19.5%	+26.0%	+43.5%	-31.6%	—
Other Income Expense Interest Income	+43.0%	+56.6%	+62.2%	+27.5%	—
Other Income Expense Interest Expense	+1.6%	+0.5%	-2.2%	-5.8%	—
Other Income Expense Other Income/expense	+52.4%	+61.3%	+64.3%	—	—
Other Income Expense Income Before Tax	+21.5%	+25.4%	+22.8%	-34.0%	—
Income Tax Income Tax Expense	+56.1%	+41.4%	—	-37.5%	—
net Income net Income	+19.5%	+26.0%	+43.5%	-31.6%	—
net Income Comprehensive Income	+33.7%	+38.6%	+83.8%	—	—
Earnings Per Share Basic Eps	+21.9%	+28.9%	+49.4%	-27.1%	—
Earnings Per Share Diluted Eps	+22.0%	+28.9%	+49.1%	-27.3%	—
Earnings Per Share Weighted Average Shares Basic	-1.5%	-1.7%	-3.0%	-5.9%	—
Earnings Per Share Weighted Average Shares Diluted	-1.6%	-1.6%	-2.7%	-5.7%	—

Cash Flow Statement

Operating, investing, and financing flows

19 accounts · 5 years

Operating cash flow $6.2B

Investing cash flow $-4.0B

Financing cash flow $-1.9B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	+19.5%	+26.0%	+43.5%	-31.6%	—
Operating Activities Depreciation and Amortization	+23.9%	+42.0%	+7.6%	+29.3%	—
Operating Activities Stock Based Compensation	+13.9%	+14.8%	+2.8%	+0.0%	—
Operating Activities Deferred Income Taxes	—	—	—	—	—
Operating Activities Changes In Operating Assets and Liabilities	—	+27.3%	-27.3%	+79.9%	—
Operating Activities net Cash From Operating Activities	+15.9%	+24.9%	+29.6%	+11.4%	—
Investing Activities Business Acquisitions	—	—	—	—	—
Investing Activities Purchases of Investments	+0.7%	-4.1%	-28.6%	-53.8%	—
Investing Activities Proceeds From Sale of Investments	+11.2%	+7.7%	-30.8%	-56.1%	—
Investing Activities Other Investing Activities	—	-61.5%	-79.0%	—	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—
Financing Activities Repurchase of Common Stock	+11.2%	-73.1%	—	-52.5%	—
Financing Activities Dividends Paid	—	—	—	—	—
Financing Activities Other Financing Activities	—	—	—	—	—
Financing Activities net Cash From Financing Activities	—	—	—	—	—
Cash Reconciliation Effect of Exchange Rate On Cash	—	—	—	—	—
Cash Reconciliation net Change In Cash	+89.1%	+121.8%	+206.2%	—	—
Cash Reconciliation Cash At Beginning of Period	+12.0%	+10.2%	+6.8%	-3.1%	—
Cash Reconciliation Cash At End of Period	+12.0%	+10.2%	+6.8%	-3.1%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	+22.1%	+24.7%	+32.6%	+15.4%	+23.3%
Net margin	+22.1%	+24.7%	+32.6%	+15.4%	+23.3%
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	+27.5%	+23.5%	+17.0%	+11.5%	+19.3%
Returns
ROE	+18.2%	+20.7%	+24.2%	+11.4%	+15.9%
ROA	+5.6%	+6.1%	+7.5%	+3.1%	+4.8%
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	2.27x	2.41x	2.21x	2.72x	2.33x
Interest coverage	29.72x	30.58x	33.41x	11.27x	15.52x
Efficiency
Asset turnover	0.25x	0.25x	0.23x	0.20x	0.21x
Cash conversion cycle	—	—	—	—	—

Valuation

Price against fundamentals

ACGL $91 · 2025-09-30 · 350d old · FY2025

Market cap $34.1B

P/E 7.75x

P/S 1.71x

P/B 1.41x

EV —

EV/EBITDA —

FCF yield —

Dividend yield +5.6%

Notes

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