FirmAtlas
Company handbook · ACGL · Prepared by FirmAtlas · firmatlas.app · printed 2026-10-17
ACGL · CIK 947484 · LATEST FILING: 10-Q JUN '26 · FILED AUG 4, 2026
ARCH CAPITAL GROUP LTD.
$101.27
+1.96 (+1.97%)
Close, Oct 16, 2026 · 52-week $82–107
Last fiscal year
ARCH CAPITAL GROUP LTD. reported revenue of $19.9B for the year ended Dec 31, 2025 (FY25), up 14.3% from FY24. Net income was $4.4B. Source: 10-K filed Feb 26, 2026.
Market cap
$36.4B
P/E
7.8
P/B
1.5
Op. ROE
19.5%
Revenue 1Y
14.3%/yr
EPS 1Y
3.7%/yr
Shares 1Y
−5%
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Median
Daily closes, split-adjusted · ratios at each fiscal year end
Company
CEONicolas Papadopoulo
HQPembroke, Bermuda
AuditorPricewaterhouseCoopers LLP
Employees8,000
Year endsDecember
Compounded growth & averages
10Y
5Y
3Y
TTM
Share price
14.3%
19.0%
5.7%
17.4%
Upgrade to see 10 years
Share price: yearly compound rate of the traded close; the last column is the past year.
Where the earnings went · FY24–FY25
$8.7B net income
Buybacks
$1.9B
22.0%
Retained
$6.8B
78.0%
Growth engines
How much of the profit growth came from new investment, and how much from running the business better.
Upgrade to see 10 years
Financials
Last 2 years · Upgrade to see 10 years · USD millions · each year opens its 10-K · change vs previous year
Last 4 quarters · USD millions · quarter-end month shown · change vs same quarter a year earlier
Per-share figures are split-adjusted (3-for-1 split after FY15).
TTM = the last four quarters, to Jun '26. Balance-sheet rows show that latest quarter. “—” where the quarters do not add up to the annual figures. No TTM for cash: our quarterly rows do not hold short-term investments yet, and annual cash includes them.
Income
Gross premiums written
21,511
22,878+6.4%
—
Net premiums written
15,732
16,476+4.7%
—
Net premiums earned
15,100
17,065+13.0%
—
Net investment income
1,495
1,625+8.7%
—
Total revenue
17,440
19,929+14.3%
19,232
YoY
+14.3%
Losses & loss adjustment expenses
8,342
9,370+12.3%
—
Policy acquisition costs
2,651
3,153+18.9%
—
Pre-tax income
4,674
5,159+10.4%
—
Net income
4,312
4,399+2.0%
4,692
YoY
+2.0%
EPS (diluted, $)
11.19
11.60+3.7%
12.89
YoY
+3.7%
Balance sheet
Total assets
70,906
79,241+11.8%
85,179
Cash & short-term investments
1,760
2,067+17.4%
—
Investments
40,540
46,504+14.7%
—
Other assets
28,606
30,670+7.2%
—
Total liabilities
50,086
55,035+9.9%
61,149
Loss & LAE reserves
29,369
33,547+14.2%
—
Unearned premiums
10,218
10,100−1.2%
—
Other liabilities
10,499
11,388+8.5%
—
Shareholders’ equity
20,820
24,206+16.3%
24,030
Shares outstanding (M)
376
359−4.6%
—
Total liabilities = total assets − shareholders’ equity, so it includes minority interest where a company has one.
Cash flow statement · as filed
Cash from operations
6,673
6,172−7.5%
6,100
Net income
4,312
4,399+2.0%
—
Stock-based compensation
133
148+11.3%
—
Working capital & other
2,228
1,625−27.1%
—
Cash from investing
(4,461)
(4,036)n/m
—
Capex
(51)
(44)n/m
—
Acquisitions
852
0−100.0%
—
Investments bought
(31,290)
(36,480)n/m
—
Investments sold / matured
2,036
2,494+22.5%
—
Other investing
23,992
29,994+25.0%
—
Cash from financing
(1,925)
(1,890)n/m
—
Buybacks
(24)
(1,889)n/m
—
Other financing
(1,901)
(1)n/m
—
Net change in cash
262
307+17.2%
—
Free cash flow (OCF − capex)
6,622
6,128−7.5%
6,055
Where the earnings went
Income
Sep '25
Dec '25
Mar '26
Jun '26
Revenue
5,109
4,934
4,521
4,668
vs year-ago quarter
Net income
1,350
1,238
1,047
1,057
vs year-ago quarter
Net margin
26.4%
25.1%
23.2%
22.6%
EPS (diluted, $)
3.56
3.45
2.88
3.00
vs year-ago quarter
Balance sheet
Sep '25
Dec '25
Mar '26
Jun '26
Total assets
79,185
79,241
81,446
85,179
Cash & equivalents
1,854
2,067
1,781
2,006
Total debt
2,728
2,729
2,729
4,286
Shareholders’ equity
23,719
24,206
24,188
24,030
Cash flow
Sep '25
Dec '25
Mar '26
Jun '26
Operating cash flow
2,186
1,404
1,188
1,322
Capex
12
11
8
14
Free cash flow
2,174
1,393
1,180
1,308
vs year-ago quarter