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

Year-over-year change per cell; first column has no prior.

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	+1.4%	+6.8%	+7.3%	-0.4%	—
Short Term Investments	-100.0%	+41.2%	+37.9%	-52.3%	—
Other Current Assets	+9.1%	+30.9%	+63.1%	+19.0%	—
Intangible Assets	-100.0%	+121.8%	-19.6%	-25.7%	—
Long Term Investments	+7.9%	+31.0%	+21.0%	+22.6%	—
Other Noncurrent Assets	+9.1%	+30.9%	+63.1%	+19.0%	—
Total Assets	+11.8%	+20.4%	+22.7%	+6.4%	—
Liabilities
Other Current Liabilities	+15.7%	+56.5%	+42.1%	+2.8%	—
Total Current Liabilities	+9.9%	+23.5%	+15.6%	+11.2%	—
Other Noncurrent Liabilities	+15.7%	+56.5%	+42.1%	+2.8%	—
Total Liabilities	+9.9%	+23.5%	+15.6%	+11.2%	—
Equity
Preferred Stock	+0.0%	+0.0%	+0.0%	+0.0%	—
Common Stock	+0.0%	+0.0%	+52.9%	+0.9%	—
Additional Paid In Capital	+9.0%	+7.9%	+5.2%	+6.1%	—
Retained Earnings	+19.2%	+11.8%	+27.7%	+9.9%	—
Treasury Stock	+42.9%	+1.4%	+1.1%	+16.4%	—
Accumulated Other Comprehensive Income	+100.7%	-6.5%	+58.9%	-2432.3%	—
Total Stockholders Equity	+16.3%	+13.4%	+42.2%	-4.7%	—
Total Liabilitiesand Equity	+11.8%	+20.4%	+22.7%	+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	+14.3%	+27.9%	+41.8%	+3.9%	—
Expenses Selling,General and Administrative	-34.0%	+96.1%	+7.4%	+21.8%	—
Expenses Depreciation and Amortization	-17.9%	+147.4%	-10.4%	+29.3%	—
Expenses Share Based Compensation	+11.3%	+43.0%	+5.7%	+0.0%	—
Other Income Expense Operating Income	+2.0%	-2.9%	+201.0%	-31.6%	—
Other Income Expense Interest Income	+8.7%	+46.1%	+106.2%	+27.5%	—
Other Income Expense Interest Expense	+5.0%	+6.0%	+1.5%	-5.8%	—
Other Income Expense Other Income/expense	+28.6%	+55.6%	+200.0%	-370.0%	—
Other Income Expense Income Before Tax	+10.4%	+30.9%	+128.6%	-34.0%	—
Income Tax Income Tax Expense	+109.9%	+141.5%	-1191.2%	-37.5%	—
net Income net Income	+2.0%	-2.9%	+201.0%	-31.6%	—
net Income Comprehensive Income	+20.1%	-21.2%	+5255.2%	-106.6%	—
Earnings Per Share Basic Eps	+3.1%	-3.9%	+206.2%	-27.1%	—
Earnings Per Share Diluted Eps	+3.7%	-3.7%	+205.8%	-27.3%	—
Earnings Per Share Weighted Average Shares Basic	-1.1%	+1.0%	+0.0%	-5.9%	—
Earnings Per Share Weighted Average Shares Diluted	-1.5%	+0.8%	+0.3%	-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	+2.0%	-2.9%	+201.0%	-31.6%	—
Operating Activities Depreciation and Amortization	-17.9%	+147.4%	-10.4%	+29.3%	—
Operating Activities Stock Based Compensation	+11.3%	+43.0%	+5.7%	+0.0%	—
Operating Activities Deferred Income Taxes	+597.1%	+97.0%	-859.5%	+27.5%	—
Operating Activities Changes In Operating Assets and Liabilities	-137.6%	+290.2%	-70.6%	+79.9%	—
Operating Activities net Cash From Operating Activities	-7.5%	+16.1%	+50.7%	+11.4%	—
Investing Activities Business Acquisitions	+100.0%	—	—	—	—
Investing Activities Purchases of Investments	+16.6%	+73.2%	+10.2%	-53.8%	—
Investing Activities Proceeds From Sale of Investments	+22.5%	+160.7%	+9.2%	-56.1%	—
Investing Activities Other Investing Activities	-453.3%	+30.4%	+118.4%	-123.9%	—
Investing Activities net Cash From Investing Activities	+9.5%	+18.4%	-76.3%	-45.0%	—
Financing Activities Repurchase of Common Stock	+7770.8%	—	-100.0%	-52.5%	—
Financing Activities Dividends Paid	+0.0%	—	—	—	—
Financing Activities Other Financing Activities	-100.0%	+60.0%	+94.2%	-2050.0%	—
Financing Activities net Cash From Financing Activities	+1.8%	-2689.9%	+90.2%	+42.6%	—
Cash Reconciliation Effect of Exchange Rate On Cash	+344.0%	-292.3%	+126.0%	-47.1%	—
Cash Reconciliation net Change In Cash	+17.2%	+16.4%	+648.8%	-270.8%	—
Cash Reconciliation Cash At Beginning of Period	+17.4%	+17.5%	+17.7%	-3.1%	—
Cash Reconciliation Cash At End of Period	+17.4%	+17.5%	+17.7%	-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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