Arch Cap Group Ltd Financials

ACGL

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Arch Cap Group Ltd (ACGL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 76/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Arch Cap Group Ltd's revenue surged 27.9% year-over-year to $17.4B, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Arch Cap Group Ltd has elevated debt relative to equity (D/E of 2.41), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 22/100, reflecting increased financial risk.

Cash Flow

100

Arch Cap Group Ltd converts 38.0% of revenue into free cash flow ($6.6B). This strong cash generation earns a score of 100/100.

Returns

Arch Cap Group Ltd earns a strong 20.7% return on equity (ROE), meaning it generates $21 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 83/100. This is down from 24.2% the prior year.

Piotroski F-Score Neutral

4/9

Arch Cap Group Ltd passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.55x

For every $1 of reported earnings, Arch Cap Group Ltd generates $1.55 in operating cash flow ($6.7B OCF vs $4.3B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$17.4B

YoY+27.9%

5Y CAGR+20.3%

10Y CAGR+15.9%

Arch Cap Group Ltd generated $17.4B in revenue in fiscal year 2024. This represents an increase of 27.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$6.6B

YoY+16.2%

5Y CAGR+26.9%

10Y CAGR+20.6%

Arch Cap Group Ltd generated $6.6B in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 16.2% from the prior year.

Net Income

$4.3B

YoY-2.9%

5Y CAGR+21.4%

10Y CAGR+17.9%

Arch Cap Group Ltd reported $4.3B in net income in fiscal year 2024. This represents a decrease of 2.9% from the prior year.

EPS (Diluted)

$11.19

YoY-3.7%

5Y CAGR+23.7%

Arch Cap Group Ltd earned $11.19 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 3.7% from the prior year.

Cash & Debt

$979.0M

YoY+6.8%

5Y CAGR+6.2%

10Y CAGR+7.3%

Arch Cap Group Ltd held $979.0M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$5.00

Arch Cap Group Ltd paid $5.00 per share in dividends in fiscal year 2024.

Shares Outstanding

376M

YoY+0.8%

5Y CAGR-1.5%

Arch Cap Group Ltd had 376M shares outstanding in fiscal year 2024. This represents an increase of 0.8% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.7%

YoY-7.9pp

5Y CAGR+1.1pp

10Y CAGR+3.8pp

Arch Cap Group Ltd's net profit margin was 24.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 7.9 percentage points from the prior year.

Return on Equity

20.7%

YoY-3.5pp

5Y CAGR+6.5pp

10Y CAGR+7.0pp

Arch Cap Group Ltd's ROE was 20.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.5 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$24.0M

5Y CAGR+52.9%

10Y CAGR-25.5%

Arch Cap Group Ltd spent $24.0M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$51.0M

YoY-1.9%

5Y CAGR+6.2%

10Y CAGR+9.9%

Arch Cap Group Ltd invested $51.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 1.9% from the prior year.

ACGL Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$17.4B+27.9%	$13.6B+41.8%	$9.6B+3.9%	$9.2B+8.7%	$8.5B+22.8%	$6.9B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$200.0M+96.1%	$102.0M+7.4%	$95.0M+21.8%	$78.0M-4.9%	$82.0M+2.3%	$80.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$141.0M+6.0%	$133.0M+1.5%	$131.0M-5.8%	$139.0M-3.1%	$143.5M+18.7%	$120.9M
Income Tax	$362.0M+141.5%	-$873.0M-1191.3%	$80.0M-37.5%	$128.0M+14.5%	$111.8M-28.2%	$155.8M
Net Income	$4.3B-2.9%	$4.4B+201.0%	$1.5B-31.6%	$2.2B+53.5%	$1.4B-14.1%	$1.6B
EPS (Diluted)	$11.19-3.7%	$11.62+205.8%	$3.80-27.3%	$5.23+57.5%	$3.32-14.2%	$3.87

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q2'23
Revenue	$5.1B-2.0%	$5.2B+11.6%	$4.7B+2.7%	$4.5B+7.5%	$4.2B+7.3%	$3.9B-0.9%	$4.0B+19.4%	$3.3B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$49.0M+4.3%	$47.0M-21.7%	$60.0M+5.3%	$57.0M+39.0%	$41.0M-22.6%	$53.0M+71.0%	$31.0M+55.0%	$20.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$37.0M-2.6%	$38.0M+8.6%	$35.0M-5.4%	$37.0M+5.7%	$35.0M+2.9%	$34.0M0.0%	$34.0M0.0%	$34.0M
Income Tax	$215.0M+0.5%	$214.0M+76.9%	$121.0M+83.3%	$66.0M-32.0%	$97.0M-4.0%	$101.0M+109.4%	-$1.1B-1594.4%	$72.0M
Net Income	$1.4B+9.1%	$1.2B+115.5%	$574.0M-38.6%	$935.0M-26.3%	$1.3B+13.3%	$1.1B-52.0%	$2.3B+222.8%	$723.0M
EPS (Diluted)	$3.56+10.2%	$3.23+118.2%	$1.48-38.6%	$2.41-27.0%	$3.30+13.0%	$2.92-52.3%	$6.12+225.5%	$1.88

ACGL Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$70.9B+20.4%	$58.9B+22.7%	$48.0B+6.4%	$45.1B+4.2%	$43.3B+14.2%	$37.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$979.0M+6.8%	$917.0M+7.3%	$855.0M-0.5%	$859.0M-5.2%	$906.4M+24.8%	$726.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$571.0M+65.5%	$345.0M+0.9%	$342.0M-0.9%	$345.0M+9.7%	$314.6M-3.7%	$326.6M
Total Liabilities	$50.1B+23.5%	$40.6B+15.6%	$35.1B+11.2%	$31.5B+7.7%	$29.3B+14.6%	$25.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$20.8B+13.4%	$18.4B+42.2%	$12.9B-4.7%	$13.5B+3.4%	$13.1B+14.0%	$11.5B
Retained Earnings	$22.7B+11.8%	$20.3B+27.7%	$15.9B+9.9%	$14.5B+16.9%	$12.4B+12.2%	$11.0B

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q2'23
Total Assets	$79.2B+0.5%	$78.8B+4.8%	$75.2B+6.0%	$70.9B+8.3%	$65.5B+4.3%	$62.8B+6.6%	$58.9B+6.7%	$55.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$1.1B+8.1%	$983.0M-17.2%	$1.2B+21.2%	$979.0M-4.0%	$1.0B+2.7%	$993.0M+8.3%	$917.0M+6.8%	$859.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	$571.0M	N/A	N/A	$345.0M	N/A
Total Liabilities	$55.5B-0.5%	$55.7B+3.9%	$53.6B+7.1%	$50.1B+11.8%	$44.8B+3.2%	$43.4B+7.1%	$40.6B+1.4%	$40.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$23.7B+2.9%	$23.0B+6.9%	$21.5B+3.5%	$20.8B+0.8%	$20.7B+6.8%	$19.4B+5.5%	$18.4B+20.4%	$15.2B
Retained Earnings	$25.8B+5.5%	$24.5B+5.3%	$23.3B+2.5%	$22.7B+0.1%	$22.7B+5.9%	$21.4B+5.5%	$20.3B+12.9%	$18.0B

ACGL Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$6.7B+16.1%	$5.7B+50.7%	$3.8B+11.4%	$3.4B+18.7%	$2.9B+40.9%	$2.0B
Capital Expenditures	$51.0M-1.9%	$52.0M+4.0%	$50.0M+22.0%	$41.0M+2.8%	$39.9M+5.4%	$37.8M
Free Cash Flow	$6.6B+16.2%	$5.7B+51.3%	$3.8B+11.3%	$3.4B+18.9%	$2.8B+41.6%	$2.0B
Investing Cash Flow	-$4.5B+18.4%	-$5.5B-76.3%	-$3.1B-45.0%	-$2.1B+29.7%	-$3.0B-68.5%	-$1.8B
Financing Cash Flow	-$1.9B-2689.9%	-$69.0M+90.2%	-$706.0M+42.6%	-$1.2B-335.8%	$521.3M+746.2%	-$80.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$24.0M	$0-100.0%	$586.0M-52.5%	$1.2B+1378.3%	$83.5M+2807.4%	$2.9M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q2'23
Operating Cash Flow	$2.2B+94.5%	$1.1B-22.9%	$1.5B-7.3%	$1.6B+3.6%	$1.5B-2.9%	$1.6B-6.1%	$1.7B-15.5%	$2.0B
Capital Expenditures	$12.0M0.0%	$12.0M+33.3%	$9.0M-30.8%	$13.0M+18.2%	$11.0M-26.7%	$15.0M0.0%	$15.0M+36.4%	$11.0M
Free Cash Flow	$2.2B+95.5%	$1.1B-23.3%	$1.4B-7.1%	$1.6B+3.5%	$1.5B-2.7%	$1.5B-6.1%	$1.6B-15.8%	$2.0B
Investing Cash Flow	-$1.4B-12.6%	-$1.2B-21.8%	-$1.0B-340.0%	$420.0M+127.8%	-$1.5B-7.1%	-$1.4B+8.0%	-$1.5B+20.8%	-$1.9B
Financing Cash Flow	-$743.0M-480.5%	-$128.0M+46.9%	-$241.0M+87.2%	-$1.9B-13600.0%	$14.0M+133.3%	-$42.0M-147.1%	-$17.0M-142.9%	-$7.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$732.0M+349.1%	$163.0M-16.8%	$196.0M+716.7%	$24.0M	$0	$0	$0	$0

ACGL Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.7%-7.9pp	32.6%+17.2pp	15.3%-8.0pp	23.3%+6.8pp	16.5%-7.1pp	23.6%
Return on Equity	20.7%-3.5pp	24.2%+12.8pp	11.4%-4.5pp	15.9%+5.2pp	10.7%-3.5pp	14.2%
Return on Assets	6.1%-1.5pp	7.5%+4.5pp	3.1%-1.7pp	4.8%+1.5pp	3.3%-1.1pp	4.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.41+0.2	2.21-0.5	2.72+0.4	2.33+0.1	2.24+0.0	2.22
FCF Margin	38.0%-3.8pp	41.8%+2.6pp	39.2%+2.6pp	36.6%+3.1pp	33.5%+4.4pp	29.0%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q2'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.4%+2.7pp	23.7%+11.5pp	12.3%-8.3pp	20.6%-9.4pp	30.0%+1.6pp	28.4%-30.3pp	58.7%+37.0pp	21.7%
Return on Equity	5.7%+0.3pp	5.4%+2.7pp	2.7%-1.8pp	4.5%-1.7pp	6.1%+0.4pp	5.8%-6.9pp	12.7%+8.0pp	4.7%
Return on Assets	1.7%+0.1pp	1.6%+0.8pp	0.8%-0.6pp	1.3%-0.6pp	1.9%+0.2pp	1.8%-2.2pp	4.0%+2.7pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.34-0.1	2.42-0.1	2.49+0.1	2.41+0.2	2.17-0.1	2.24+0.0	2.21-0.4	2.62
FCF Margin	42.5%+21.2pp	21.3%-9.7pp	31.0%-3.3pp	34.3%-1.3pp	35.6%-3.7pp	39.3%-2.2pp	41.5%-17.3pp	58.9%

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Frequently Asked Questions

What is Arch Cap Group Ltd's annual revenue?

Arch Cap Group Ltd (ACGL) reported $17.4B in total revenue for fiscal year 2024. This represents a 27.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Arch Cap Group Ltd's revenue growing?

Arch Cap Group Ltd (ACGL) revenue grew by 27.9% year-over-year, from $13.6B to $17.4B in fiscal year 2024.

Is Arch Cap Group Ltd profitable?

Yes, Arch Cap Group Ltd (ACGL) reported a net income of $4.3B in fiscal year 2024, with a net profit margin of 24.7%.

What is Arch Cap Group Ltd's earnings per share (EPS)?

Arch Cap Group Ltd (ACGL) reported diluted earnings per share of $11.19 for fiscal year 2024. This represents a -3.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Arch Cap Group Ltd's net profit margin?

Arch Cap Group Ltd (ACGL) had a net profit margin of 24.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Arch Cap Group Ltd pay dividends?

Yes, Arch Cap Group Ltd (ACGL) paid $5.00 per share in dividends during fiscal year 2024.

What is Arch Cap Group Ltd's return on equity (ROE)?

Arch Cap Group Ltd (ACGL) has a return on equity of 20.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Arch Cap Group Ltd's free cash flow?

Arch Cap Group Ltd (ACGL) generated $6.6B in free cash flow during fiscal year 2024. This represents a 16.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Arch Cap Group Ltd's operating cash flow?

Arch Cap Group Ltd (ACGL) generated $6.7B in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Arch Cap Group Ltd's total assets?

Arch Cap Group Ltd (ACGL) had $70.9B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Arch Cap Group Ltd's capital expenditures?

Arch Cap Group Ltd (ACGL) invested $51.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Arch Cap Group Ltd buy back shares?

Yes, Arch Cap Group Ltd (ACGL) spent $24.0M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Arch Cap Group Ltd have outstanding?

Arch Cap Group Ltd (ACGL) had 376M shares outstanding as of fiscal year 2024.

What is Arch Cap Group Ltd's debt-to-equity ratio?

Arch Cap Group Ltd (ACGL) had a debt-to-equity ratio of 2.41 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Arch Cap Group Ltd's return on assets (ROA)?

Arch Cap Group Ltd (ACGL) had a return on assets of 6.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Arch Cap Group Ltd's Piotroski F-Score?

Arch Cap Group Ltd (ACGL) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Arch Cap Group Ltd's earnings high quality?

Arch Cap Group Ltd (ACGL) has an earnings quality ratio of 1.55x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Arch Cap Group Ltd?

Arch Cap Group Ltd (ACGL) scores 76 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.