Arch Capital Group Ltd.ACGLNASDAQ

Overview Intelligence Charts News Fundamentals Key Metrics Earnings Growth Financials Insiders

Revenue (LTM)

$19.9B

+14.3% YoY

Net Income (LTM)

$4.4B

+2.0% YoY

Free Cash Flow

$6.1B

Revenue CAGR (5Y)

+19.2%

Marginsimproving

FCF$6.1B

Profitable

Watch on earnings:Combined ratio by segment (target 96-98% overall, mortgage 25-30%, insurance 92-95%, reinsurance 95-98%)Gross premiums written growth and renewal rate changes by segmentMortgage insurance new insurance written (NIW) volumes and persistency ratesNet investment income and portfolio duration/yieldBook value per share growth (target mid-teens ROE)Catastrophe losses vs budget (typically $400-600M annual budget)

Key metrics:Combined ratio by segment and reserve development trends · Gross premiums written growth and renewal rate changes · Mortgage insurance NIW volumes and persistency rates · 10-year Treasury yield (drives investment income and mortgage refinancing activity)

Income Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	8,924	9,657↑8.2%	13,294↑37.7%	17,440↑31.2%	19,929↑14.3%
Gross Profit	3,036	2,889↓4.8%	4,736↑63.9%	6,447↑36.1%	7,406↑14.9%
Operating Income	1,737	1,372↓21.0%	3,107↑126.5%	4,474↑44.0%	4,979↑11.3%
Net Income	2,157	1,476↓31.6%	4,443↑201.0%	4,312↓2.9%	4,399↑2.0%
EBITDA	2,324	1,724↓25.8%	3,613↑109.6%	4,850↑34.2%	5,352↑10.4%
EPS Diluted	5.23	3.80↓27.3%	11.62↑205.8%	11.19↓3.7%	11.62↑3.8%

Balance Sheet

⚠ Reserve adequacy risk in long-tail casualty lines - adverse development could require $200-500M+ reserve strengthening

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	859	855↓0.4%	917↑7.3%	979↑6.8%	993↑1.4%
Total Current Assets	19,357	20,390↑5.3%	24,038↑17.9%	28,139↑17.1%	8,986↓68.1%
Total Assets	45,101	47,990↑6.4%	58,906↑22.7%	70,906↑20.4%	67,056↓5.4%
Total Current Liabilities	27,492	30,977↑12.7%	35,883↑15.8%	44,319↑23.5%	7,441↓83.2%
Total Liabilities	31,546	35,069↑11.2%	40,551↑15.6%	50,086↑23.5%	42,850↓14.4%
Total Equity	13,546	12,910↓4.7%	18,353↑42.2%	20,820↑13.4%	24,206↑16.3%
Total Debt	2,724	2,725↑0.0%	2,726↑0.0%	2,728↑0.1%	2,729↑0.0%
Net Debt	1,866	1,870↑0.2%	1,809↓3.3%	1,749↓3.3%	1,736↓0.7%

Cash Flow Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	3,428	3,816↑11.3%	5,749↑50.7%	6,673↑16.1%	6,172↓7.5%
Capital Expenditure	-41	-52↓24.8%	-52↓0.6%	-51↑1.9%	-44↑13.7%
Free Cash Flow	3,386	3,764↑11.1%	5,697↑51.4%	6,622↑16.2%	6,128↓7.5%
Stock-Based Comp	88	88↓0.0%	93↑5.7%	133↑43.0%	148↑11.3%
Net Change in Cash	24	-41↓269.2%	225↑648.8%	262↑16.4%	307↑17.2%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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