Arch Capital Group Ltd. (ACGL)

Financials · Property & Casualty Insurance · US stock · S&P 500 component

$102.69 ▲ +2.41 (2.40%)

At close 22 Oct 2026 · USD · Volume 2,260,695

Compare with PGR

Interactive chart Research report Forecast ranges Pro workspace SEC filings Historical data

Fair valueFair

$105 +2.0% to fair value

$52fair band $89–$127$157

Day's range

$100.39 – $103.84

52-week range

$82.45 – $107.09

About Arch Capital Group Ltd.

Arch Capital Group is a Bermuda-based insurance, reinsurance and mortgage insurance company. It writes property and casualty coverage, specialty lines and reinsurance for other insurers, and provides mortgage insurance in the United States and elsewhere. It earns money from premiums and from investing the funds it holds before claims are paid, so results depend on underwriting discipline and catastrophe losses.

Arch Capital Group Ltd. generated $19.2 billion in revenue during the last twelve months. The three-year revenue growth rate is 27.5% a year. No dividend is paid to shareholders. The X-Ray Score is 61 out of 100. Operating margin shows how much of each dollar of revenue remains after operating costs.

Price chart

Interactive chart Historical data & CSV

52-wk range $82.45 – $107.09Volume 2,260,695Daily, split-adjusted

Vitals

Market cap$35.8B

52-week range$82.45 – $107.09

Volume (last day)2,260,695

P/E (TTM)8.0

EBIT / EV yield–

Free-cash-flow yield16.9%

Dividend yieldNo dividend

Revenue (TTM)$19.2B

Net income (TTM)$4.7B

Operating margin–

Return on capital–

Debt incl. leases$4.3B

Cash & securities$1.1B

Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.

Fair value estimate

$105middle half of models $104 – $105

Fair +2.0% to fair value

Average of the 3 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.

Price $103

Undervalued < $89Fair $89 – $127Overvalued > $127

P/E multiple

$104

P/B multiple

$105

P/S multiple

$105

A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.

What this means

Average business, fairly priced

The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.

Before you invest · decision checklist

I understand how this company makes money Business quality is average or better ✓ 59 The price is not above fair value $105 fair value Debt looks manageable Revenue has been growing 27.5% a year Profits are backed by cash There are no red flags none raised I know what share of my savings this would be

Ticked boxes are filled in from our data; the rest are yours to answer.

The five-lens scan

Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.

Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data

Valuation Fair

56/100

Priced about in line with its sector.

See the numbers →

Free-cash-flow yield16.9%

Fair value vs price1.0×

Growth Strong

72/100

Growing faster than most of its sector.

See the numbers →

Revenue growth (3y)27.5%

EPS growth (3y)45.1%

Growth consistency80%

Profitability Fair

63/100

Returns on capital are typical for its sector.

See the numbers →

Financial health Fair

55/100

Balance sheet is in typical shape for its sector.

See the numbers →

Piotroski F-Score7 / 9

Dividends None

–/100

Pays no dividend.

See the numbers →

Quarterly results: last 6 quarters

+18.6%

Mar '25

+23.3%

Jun '25

+8.2%

Sep '25

+8.5%

Dec '25

-3.3%

Mar '26

-10.5%

Jun '26

Revenue against the same quarter a year earlier. Latest quarter revenue $4.7B, diluted EPS $3.00.

Compare with peers

PGR Progressive Corp69 HIG Hartford Insurance Gro...64 CINF Cincinnati Financial C...60 WRB Berkley W R Corp57

Other Property & Casualty Insurance companies by X-Ray Score.

SWOT analysis: Arch Capital Group Ltd.

Strengthsinside the company

Revenue has grown 27.5% a year over three years (median 9.8% for industry peers).
Earnings per share have compounded at 45.1% a year over three years.
Free cash flow equals 16.9% of the market value, which funds dividends, buybacks or debt paydown.
Passes 7 of the 9 Piotroski tests, which points to improving profitability, funding and efficiency.

Weaknessesinside the company

No clear weakness in the figures we track.

Opportunitiesvaluation and setting

Trades at 7.6x earnings, 26% below the 10.2x median of industry peers.
Our Market Compass rates the backdrop for Financials as favourable.
Price momentum is strong on the weekly and monthly signals (trends can reverse).

Threatsvaluation and setting

Revenue growth slowed to 14.3% last year from 27.5% a year over three years.

Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.

Compare ACGL with peers and sector

Medians of 7 Property & Casualty Insurance peers and of 70 Financials stocks in our universe. Largest peers (X-Ray Score): CB 50, PGR 69, TRV 52, ALL 54, HIG 64, WRB 57.

Metric	ACGL	Peers	Sector
X-Ray Score (out of 100)	61	57	50
Valuation	56	63	52
Growth	72	62	54
Profitability	63	59	48
Financial health	55	55	50
Dividends	–	61	54

Sector leaders: highest X-Ray Score in Financials

ACGL ranks #11 of 71 in Financials and #3 of 8 in Property & Casualty Insurance by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.

Company	X-Ray Score
#1 PGR Progressive Corp	69
#2 SCHW Schwab Charles Corp	68
#3 AMP Ameriprise Financial Inc	67
#4 AIZ Assurant, Inc.	66
#5 PYPL PayPal Holdings, Inc.	65
…
#11 ACGL Arch Capital Group Ltd. (this stock)	61

Metric	ACGL	Peers	Sector
P/E ratio	7.6x	10.2x	13.9x
PEG ratio	0.17	0.31	1.22
Price / book	1.5x	2.0x	2.2x
Price / sales	1.9x	1.7x	3.1x
EV / EBITDA	–	8.3x	10.8x
Price / free cash flow	5.9x	7.4x	17.1x
Dividend yield	–	1.7%	1.9%
Gap to our fair value	+2.0%	+1.8%	+5.9%

Metric	ACGL	Peers	Sector
Price change, 1 month	+8.2%	+10.8%	+3.4%
Price change, 3 months	+4.1%	+4.6%	−0.3%
Price change, 6 months	+6.1%	+13.1%	+7.0%
Price change, 1 year	+16.9%	+17.3%	+13.8%

Metric	ACGL	Peers	Sector
Market value	$35.8B	$67.1B	$47.6B
Revenue (last 12 months)	$19.2B	$48.9B	$15.6B
EBITDA (last 12 months)	–	$8.5B	$4.5B
Net income (last 12 months)	$4.7B	$8.3B	$3.2B
Free cash flow (last 12 months)	$6.1B	$9.1B	$2.2B

Metric	ACGL	Peers	Sector
Revenue growth, last year	+14.3%	+6.9%	+6.8%
Revenue growth, 3 years a year	+27.5%	+9.8%	+8.1%
EPS growth, 3 years a year	+45.1%	+32.6%	+12.5%
Free cash flow growth, 3 years a year	+17.6%	+21.5%	+12.5%
Dividend growth	–	+5.4%	+5.4%

Metric	ACGL	Peers	Sector
Gross margin	–	–	54.1%
EBITDA margin	–	21.1%	31.4%
Operating margin	–	20.0%	29.1%
Net margin	24.4%	17.0%	20.9%
Return on invested capital	–	24.4%	13.5%
Return on equity	19.5%	22.2%	15.3%

Metric	ACGL	Peers	Sector
Net debt / EBITDA	–	0.8x	1.1x
Interest cover	–	24.8x	50.0x
Current ratio	–	–	1.1x
Piotroski F-score (0 to 9)	7	7	7

Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.

Factor ratings for ACGL

Each factor is rated by where ACGL stands among the 71 Financials stocks in our universe.

Rating against the sector

Goodthe top third of these stocks

Averagethe middle third of these stocks

Badthe bottom third of these stocks

"Beats" is the share of those stocks it is ahead of.

Against its own history

The last columns set today's figure against the company's own median of its last five financial years:

▲ Betterbetter than its usual level

▼ Worseworse than its usual level

≈ In linewithin its usual range

For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.

In total: 5 Good · 3 Average · 0 Bad of 8 Growth: 3 · 0 · 0 Profitability: 0 · 2 · 0 Valuation: 2 · 1 · 0

Factor	ACGL	Rating	Sector median	Own 5-year median	Against own history
Growth
Revenue growth, 3 years a year	+27.5%	Good beats 95%	+8.3%	–	–
Revenue growth, last year	+14.3%	Good beats 81%	+6.9%	+14.3%	≈ In line
EPS growth, 3 years a year	+45.1%	Good beats 93%	+12.7%	–	–
Profitability
Net margin	24.4%	Average beats 64%	21.8%	23.3%	≈ In line
Return on equity	19.5%	Average beats 64%	15.7%	18.2%	≈ In line
Valuation
P/E ratio	7.6x	Good beats 92%	13.8x	8.2x	≈ In line
Price / book	1.5x	Average beats 66%	2.2x	1.5x	≈ In line
Price / sales	1.9x	Good beats 75%	3.1x	2.0x	≈ In line

These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings), and banks and insurers are rated only on the factors that apply to them. A dash in the history columns means fewer than three usable years.

Fundamentals checklist

● 3 Good · ● 4 Average · ● 1 Bad

Cash quality

Earnings backed by cashAverage

Free-cash-flow yieldGood

Risk models

Piotroski F-ScoreAverage

Growth

EPS growth (3y)Good

Free-cash-flow growth (3y)Average

Revenue growth (3y)Good

Growth consistencyBad

Balance sheet

Valuation

Fair value vs priceAverage

Profitability

Each check is graded against the company's sector, not a fixed number. Checklist score 63/100.

Financials

	FY21	FY22	FY23	FY24	FY25
Revenue	$9.2B	$9.6B	$13.6B	$17.4B	$19.9B
Operating income	$2.5B	$1.7B	$3.7B	$4.8B	$5.3B
Net income	$2.2B	$1.5B	$4.4B	$4.3B	$4.4B
Operating cash flow	$3.4B	$3.8B	$5.7B	$6.7B	$6.2B
Operating margin	27.1%	17.6%	27.2%	27.6%	26.6%
Free cash flow	$3.4B	$3.8B	$5.7B	$6.6B	$6.1B
Diluted EPS	$5.23	$3.80	$11.62	$11.19	$11.60

Fiscal years, from SEC filings.

Technical summary

Daily

Strongly bullish

12 bullish · 1 neutral · 3 bearish

Weekly

Strongly bullish

11 bullish · 1 neutral · 0 bearish

Monthly

Strongly bullish

7 bullish · 1 neutral · 0 bearish

Moving averages (daily)

SMA 10	99.25	Bullish
EMA 10	99.59	Bullish
SMA 20	96.85	Bullish
EMA 20	98.20	Bullish
SMA 50	97.42	Bullish
EMA 50	97.58	Bullish
SMA 100	97.43	Bullish
EMA 100	97.26	Bullish
SMA 200	96.52	Bullish
EMA 200	96.30	Bullish

Oscillators (daily)

RSI (14)	67.53	Neutral
MACD (12, 26)	1.31	Bullish
Momentum (12)	8.30	Bullish
Stochastic %K (14)	89.20	Bearish
Williams %R (14)	-10.80	Bearish
CCI (20)	148.3	Bearish

Pivot points (classic, last session)

97.32

98.86

100.8

Pivot

102.3

104.2

105.8

107.7

Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.

Dividends

Paid, last 12 months

0.00 USD

Yield on today's price

–

Frequency

None in the last year

Next ex-dividend date

Not announced

Ex-dividend date	Amount per share
18 Nov 2024	5.0000

Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.

ETFs that hold ACGL

ETF	Share of the fund
KIE SPDR S&P Insurance	1.90%
SPLV Invesco S&P 500 Low Volatility	0.85%
VOE Vanguard Mid-Cap Value	0.56%
IYF iShares U.S. Financials	0.53%
RPV Invesco S&P 500 Pure Value	0.53%
ROUS Hartford Multifactor US Equity	0.47%
XLF Financial Select Sector SPDR	0.44%
AVLV Avantis U.S. Large Cap Value	0.44%

The eight funds with the largest weight in ACGL among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.