Arch Capital Group

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

                    Revenue
                    FY2025
                
Not reported
                    
                    No matching line (8 accounts checked)
                    
                    Net income
                    FY2025
                
$4.4B
                    
                    +2.0%
                    
                    Total assets
                    FY2025
                
$79.2B
                    ROA +5.6%
                    
                    P76
                    
                    +11.8%
                    
                    Operating cash flow
                    FY2025
                
$6.2B
                    
                    -7.5%

18 yrs · FY2008–FY2025 7 filed · 0 derived · 2 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Balance Sheet

Assets, liabilities, and equity

18 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	$993.0M 1.4%	$979.0M 6.8%	$917.0M 7.3%	$855.0M -0.4%	$858.7M
Investments	$46.5B 14.7%	$40.5B 19.7%	$33.9B 24.0%	$27.3B 2.7%	$26.6B
Premiums Receivable	$15.2B 9.8%	$13.9B 18.7%	$11.7B 14.9%	$10.2B 19.7%	$8.5B
Other Assets	$16.5B 6.5%	$15.5B 24.7%	$12.4B 28.7%	$9.7B 5.6%	$9.1B
Total Assets	$79.2B 11.8%	$70.9B 20.4%	$58.9B 22.7%	$48.0B 6.4%	$45.1B
Liabilities
Insurance Reserves	$33.5B 14.2%	$29.4B 29.1%	$22.8B 13.6%	$20.0B 11.3%	$18.0B
Unearned Premiums	$10.1B -1.2%	$10.2B 16.0%	$8.8B 20.0%	$7.3B 22.0%	$6.0B
Long Term Debt	$2.7B 0.0%	$2.7B 0.1%	$2.7B 0.0%	$2.7B 0.0%	$2.7B
Other Liabilities	$8.7B 11.4%	$7.8B 24.0%	$6.3B 25.9%	$5.0B 3.4%	$4.8B
Total Liabilities	$55.0B 9.9%	$50.1B 23.5%	$40.6B 15.6%	$35.1B 11.2%	$31.5B
Equity
Total Stockholders Equity	$24.2B 16.3%	$20.8B 13.4%	$18.4B 42.2%	$12.9B -4.7%	$13.5B
Preferred Stock	$830.0M 0.0%	$830.0M 0.0%	$830.0M 0.0%	$830.0M 0.0%	$830.0M
Common Stock	$1.0M 0.0%	$1.0M 0.0%	$1.0M 0.0%	$1.0M 54.3%	$648.0K
Additional Paid In Capital	$2.7B 9.0%	$2.5B 7.9%	$2.3B 5.2%	$2.2B 6.0%	$2.1B
Retained Earnings	$27.0B 19.2%	$22.7B 11.8%	$20.3B 27.7%	$15.9B 9.9%	$14.5B
Treasury Stock	$6.4B 42.6%	$4.5B 1.4%	$4.4B 1.1%	$4.4B 16.4%	$3.8B
Accumulated Other Comprehensive Income	$5.0M 100.7%	$-720.0M -6.5%	$-676.0M 58.9%	$-1.6B -2448.0%	$-64.6M
Total Liabilitiesand Equity	$79.2B 11.8%	$70.9B 20.4%	$58.9B 22.7%	$48.0B 6.4%	$45.1B

Income Statement

Revenue, expense, and profitability

8 accounts · 5 years

Revenue Not reported

Operating income Not reported

Net income $4.4B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Premiums Earned	$17.1B 13.0%	$15.1B 21.4%	$12.4B 28.5%	$9.7B 19.8%	$8.1B
Expenses Losses and Loss Adjustment	$14.9B 15.3%	$13.0B 26.5%	$10.2B 26.1%	$8.1B 13.7%	$7.1B
Income Tax Income Tax Expense	$760.0M 109.9%	$362.0M 141.5%	$-873.0M -1191.3%	$80.0M -37.5%	$128.0M
net Income Other Items Below Tax	$2.5B 15.3%	$2.2B 109.2%	$1.1B 711.0%	$-172.0M -113.4%	$1.3B
net Income net Income	$4.4B 2.0%	$4.3B -2.9%	$4.4B 201.0%	$1.5B -31.6%	$2.2B
Earnings Per Share Basic Eps	$12 3.1%	$11 -3.9%	$12 206.2%	$4 -27.1%	$5
Earnings Per Share Diluted Eps	$12 3.7%	$11 -3.7%	$12 205.8%	$4 -27.3%	$5
Earnings Per Share Weighted Average Shares Diluted	$375.9M -1.5%	$381.8M 0.8%	$378.8M 0.3%	$377.6M -5.7%	$400.3M

Cash Flow Statement

Operating, investing, and financing flows

14 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 Cash From Operating Activities	$6.2B -7.5%	$6.7B 16.1%	$5.7B 50.7%	$3.8B 11.4%	$3.4B
Operating Activities net Income	$4.4B 2.0%	$4.3B -2.9%	$4.4B 199.7%	$1.5B -33.8%	$2.2B
Operating Activities Depreciation and Amortization	$193.0M -17.9%	$235.0M 147.4%	$95.0M -10.4%	$106.0M 29.3%	$82.0M
Operating Activities Stock Based Compensation	$148.0M 11.3%	$133.0M 43.0%	$93.0M 5.7%	$88.0M 0.0%	$88.0M
Operating Activities Other Non Cash Items	$1.4B -28.1%	$2.0B 78.1%	$1.1B -47.7%	$2.1B 110.6%	$1.0B
Investing Activities net Cash From Investing Activities	$-4.0B 9.5%	$-4.5B 18.4%	$-5.5B -76.3%	$-3.1B -45.0%	$-2.1B
Investing Activities Capital Expenditures	$-44.0M 13.7%	$-51.0M 1.9%	$-52.0M -4.0%	$-50.0M -22.0%	$-41.0M
Investing Activities Other Investing Activities	$-4.0B 9.5%	$-4.4B 18.6%	$-5.4B -77.5%	$-3.1B -45.5%	$-2.1B
Financing Activities net Cash From Financing Activities	$-1.9B 1.8%	$-1.9B -2689.9%	$-69.0M 90.2%	$-706.0M 42.6%	$-1.2B
Financing Activities Dividends Paid	$-47.0M 97.5%	$-1.9B -4665.0%	$-40.0M 0.0%	$-40.0M 18.4%	$-49.0M
Financing Activities Repurchase of Common Stock	$-1.9B -7770.8%	$-24.0M	$0 100.0%	$-586.0M 52.5%	$-1.2B
Financing Activities Other Financing Activities	$46.0M 820.0%	$5.0M 117.2%	$-29.0M 63.7%	$-80.0M -248.1%	$54.0M
Cash Reconciliation Effect of Exchange Rate On Cash	$61.0M 344.0%	$-25.0M -292.3%	$13.0M 126.0%	$-50.0M -47.1%	$-34.0M
Cash Reconciliation net Change In Cash	$307.0M 17.2%	$262.0M 16.4%	$225.0M 648.8%	$-41.0M -270.8%	$24.0M

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	—
Net margin	—	—	—	—	—
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	—	—	—	—	—
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	—	—	—	—	—
Efficiency
Asset turnover	—	—	—	—	—
Cash conversion cycle	—	—	—	—	—

Valuation

Price against fundamentals

ACGL $91 · 2025-09-30 · 396d old · FY2025

Market cap $34.1B

P/E 7.75x

P/S —

P/B 1.41x

EV $35.8B

EV/EBITDA —

FCF yield +18.0%

Dividend yield +0.1%

Notes

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