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Arch Capital Group Ltd.

Arch Capital Group Ltd.

NASDAQ•ACGL
CEO: Mr. Nicolas Alain Emmanuel Papadopoulo
Sector: Financial Services
Industry: Insurance - Diversified
Listing Date: 1995-09-14
Arch 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; 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; contract and commercial surety coverages; and collateral protection, debt cancellation, and service contract reimbursement products. 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 exposures; marine and aviation; motor reinsurance, whole account multi-line treaties, cyber, trade credit, 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 founded in 1995 and is based in Pembroke, Bermuda.
Contact Information
Waterloo House, Ground Floor 100 Pitts Bay Road, Pembroke, HM 08, Bermuda
(441)-278-9250
www.archgroup.com
Market Cap
$33.71B
P/E (TTM)
8.2
11.8
Dividend Yield
--
52W High
$97.60
52W Low
$82.45
52W Range
54%
Rank18Top 5.0%
6.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Strong • 6.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$4.98B+11.09%
4-Quarter Trend

EPS

$3.63+38.55%
4-Quarter Trend

FCF

$2.17B+8.38%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Total Revenue Growth Strong Total revenues reached $15.0B USD for nine months, marking 16.3% growth over prior period results.
Operating ROAE Increased Operating ROAE hit 18.5% in Q3 2025, significantly up from 14.8% reported in Q3 2024.
Reinsurance Underwriting Surges Reinsurance segment underwriting income $482M USD in Q3, substantially higher than $149M USD earned last year.
Book Value Per Share Rises Book value per share $62.32 USD as of September 30, 2025, reflecting strong underwriting and investment returns.

Risk Factors

Catastrophe Exposure Limits Modeled peak zone windstorm exposure $1.9B USD, representing 8.4% of tangible shareholders' equity available to Arch.
Market Risk Volatility Portfolio 95th percentile Value-at-Risk (VaR) increased to 6.2% from 5.6% at December 31, 2024.
Inflationary Economic Pressures General economic inflation risks adequacy of reserves, especially for longer-tailed lines of business.
Reinsurance Recoverable Concentration 63.8% of reinsurance recoverables are due from carriers with A.M. Best rating of 'A-' or better.

Outlook

Capital Allocation Strategy Actively allocating capital to segments offering best risk-adjusted returns while retaining flexibility for platform investment.
Mortgage Segment Diversification Mortgage segment expected to remain a steady diversifying contributor to overall earnings given high credit quality.
Share Repurchase Activity Repurchased $732M USD of common shares in Q3 2025; $1.9B USD remains available under current authorization.
MCE Acquisition Integration MCE Acquisition platform provides significant scale in the middle market sector, driving growth in net premiums written.

Peer Comparison

Revenue (TTM)

The Hartford Insurance Group, Inc.HIG
$27.71B
+6.9%
American International Group, Inc.AIG
$27.38B
-23.8%
Sun Life Financial Inc.SLF
$23.76B
-31.8%

Gross Margin (Latest Quarter)

Old Republic International CorporationORI
64.8%
-0.6pp
International General Insurance Holdings Ltd.IGIC
48.3%
-46.9pp
Goosehead Insurance, IncGSHD
46.1%
+1.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
AIG$39.35B12.87.8%5.6%
HIG$36.11B10.220.5%5.1%
SLF$35.01B16.212.0%1.9%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.3%
Moderate Growth
4Q Net Income CAGR
13.0%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 9, 2026
|
EPS:$2.34
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $4.98B+11.1%
    |
    EPS: $3.63+38.6%
    Beat
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $4.97B+22.4%
    |
    EPS: $3.30-2.4%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $4.59B+18.4%
    |
    EPS: $1.51-49.5%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $16.93B+27.4%
    |
    EPS: $11.47-3.9%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $4.48B+36.0%
    |
    EPS: $2.62+35.8%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $4.06B+31.2%
    |
    EPS: $3.38+88.8%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 9, 2024|
    Revenue: $3.88B+24.4%
    |
    EPS: $2.99+55.7%
    Beat
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 23, 2024|
    Revenue: $13.29B+37.7%
    |
    EPS: $11.94+206.2%
    Beat