Arch Cap Group Ltd Financials
Arch Cap Group Ltd (ACGL) reported $19.9B in revenue for fiscal year 2025, up 14.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Balance-sheet expansion, not heavy reinvestment, is the core engine: Arch converts a larger capital base into multi-billion cash flow.
From FY2023 to FY2025, assets grew by roughly$20.3B and equity by about$5.9B . Because profit stayed near$4.4B , ROE eased to18.2% from its FY2023 peak, which says the company is getting bigger through a larger balance sheet faster than it is increasing earnings intensity.
In FY2025, free cash flow nearly matched operating cash flow because capex was only
Per-share results improved partly because the share count shrank to 359.0M in FY2025 from 376.4M in FY2024 after
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Arch Cap Group Ltd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Arch Cap Group Ltd, and counted as zero in the overall score.
Arch Cap Group Ltd passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Arch Cap Group Ltd generates $1.40 in operating cash flow ($6.2B OCF vs $4.4B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Arch Cap Group Ltd generated $19.9B in revenue in fiscal year 2025. This represents an increase of 14.3% from the prior year.
Arch Cap Group Ltd reported $4.4B in net income in fiscal year 2025. This represents an increase of 2.0% from the prior year.
Arch Cap Group Ltd earned $11.60 per diluted share (EPS) in fiscal year 2025. This represents an increase of 3.7% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Arch Cap Group Ltd generated $6.1B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 7.5% from the prior year.
Arch Cap Group Ltd held $993.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Arch Cap Group Ltd paid $5.00 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
Arch Cap Group Ltd's net profit margin was 22.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.6 percentage points from the prior year.
Arch Cap Group Ltd's ROE was 18.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.5 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Arch Cap Group Ltd spent $1.9B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 7770.8% from the prior year.
Arch Cap Group Ltd invested $44.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 13.7% from the prior year.
Not reported for fiscal year 2025.
ACGL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.2B | $19.9B+14.3% | $17.4B+27.9% | $13.6B+41.8% | $9.6B+3.9% | $9.2B+8.7% | $8.5B+22.8% | $6.9B+27.1% | $5.5B-3.1% | $5.6B+26.1% | $4.5B+13.4% | $3.9B-1.3% | $4.0B+13.1% | $3.5B+1.3% | $3.5B+13.7% | $3.1B |
| SG&A Expenses | $118.0M | $132.0M-34.0% | $200.0M+96.1% | $102.0M+7.4% | $95.0M+21.8% | $78.0M-4.9% | $82.0M+2.3% | $80.1M+1.4% | $79.0M-5.7% | $83.8M+2.5% | $81.7M+64.3% | $49.7M-0.4% | $49.9M | N/A | N/A | N/A |
| Interest Expense | $156.0M | $148.0M+5.0% | $141.0M+6.0% | $133.0M+1.5% | $131.0M-5.8% | $139.0M-3.1% | $143.5M+18.7% | $120.9M+0.3% | $120.5M+2.6% | $117.4M+77.2% | $66.3M+44.4% | $45.9M+0.5% | $45.6M+68.6% | $27.1M-5.1% | $28.5M-10.0% | $31.7M |
| Income Tax | $687.0M | $760.0M+109.9% | $362.0M+141.5% | -$873.0M-1191.3% | $80.0M-37.5% | $128.0M+14.5% | $111.8M-28.2% | $155.8M+36.7% | $114.0M-10.7% | $127.6M+306.6% | $31.4M-22.7% | $40.6M+76.7% | $23.0M-29.9% | $32.8M+917.3% | -$4.0M+59.1% | -$9.8M |
| Net Income | $4.7B | $4.4B+2.0% | $4.3B-2.9% | $4.4B+201.0% | $1.5B-31.6% | $2.2B+53.5% | $1.4B-14.1% | $1.6B+115.9% | $758.0M+22.4% | $619.3M-10.6% | $692.7M+28.8% | $537.7M-35.6% | $834.4M+17.6% | $709.7M+19.6% | $593.4M+36.0% | $436.2M |
| EPS (Diluted) | — | $11.60+3.7% | $11.19-3.7% | $11.62+205.8% | $3.80-27.3% | $5.23+57.5% | $3.32-14.2% | $3.87+123.7% | $1.73+27.2% | $1.36-23.6% | $1.78 | $4.09-32.1% | $6.02+18.7% | $5.07+25.8% | $4.03+35.7% | $2.97 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ACGL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $79.2B+11.8% | $70.9B+20.4% | $58.9B+22.7% | $48.0B+6.4% | $45.1B+4.2% | $43.3B+14.2% | $37.9B+17.6% | $32.2B+0.5% | $32.1B+9.1% | $29.4B+26.9% | $23.1B+5.3% | $22.0B+12.3% | $19.6B+9.8% | $17.8B+4.2% | $17.1B |
| Cash & Equivalents | $993.0M+1.4% | $979.0M+6.8% | $917.0M+7.3% | $855.0M-0.5% | $859.0M-5.2% | $906.4M+24.8% | $726.2M+12.3% | $646.6M+6.7% | $606.2M-28.1% | $842.9M+52.3% | $553.3M+13.9% | $485.7M+11.9% | $434.1M+17.0% | $371.0M+5.5% | $351.7M |
| Goodwill | $607.0M+6.3% | $571.0M+65.5% | $345.0M+0.9% | $342.0M-0.9% | $345.0M+9.7% | $314.6M-3.7% | $326.6M+30.8% | $249.6M+25.9% | $198.2M-2.8% | $204.0M+1213.2% | $15.5M+3.9% | $14.9M | $0 | $0 | N/A |
| Total Liabilities | $55.0B+9.9% | $50.1B+23.5% | $40.6B+15.6% | $35.1B+11.2% | $31.5B+7.7% | $29.3B+14.6% | $25.6B+17.4% | $21.8B-0.1% | $21.8B+8.7% | $20.1B+25.2% | $16.0B+7.7% | $14.9B+7.0% | $13.9B+10.0% | $12.6B+1.1% | $12.5B |
| Total Equity | $24.2B+16.3% | $20.8B+13.4% | $18.4B+42.2% | $12.9B-4.7% | $13.5B+3.4% | $13.1B+14.0% | $11.5B+21.8% | $9.4B+2.6% | $9.2B+11.4% | $8.3B+33.8% | $6.2B+1.2% | $6.1B+7.9% | $5.6B+9.3% | $5.2B+12.6% | $4.6B |
| Retained Earnings | $27.0B+19.2% | $22.7B+11.8% | $20.3B+27.7% | $15.9B+9.9% | $14.5B+16.9% | $12.4B+12.2% | $11.0B+16.9% | $9.4B+10.1% | $8.6B+7.1% | $8.0B+9.1% | $7.3B+7.0% | $6.9B+13.4% | $6.0B+12.8% | $5.4B+11.6% | $4.8B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
ACGL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.1B | $6.2B-7.5% | $6.7B+16.1% | $5.7B+50.7% | $3.8B+11.4% | $3.4B+18.7% | $2.9B+40.9% | $2.0B+31.4% | $1.6B+42.4% | $1.1B-20.5% | $1.4B+38.0% | $997.9M-3.8% | $1.0B+21.9% | $850.9M-7.7% | $921.6M+6.4% | $866.1M |
| Capital Expenditures | $45.0M | $44.0M-13.7% | $51.0M-1.9% | $52.0M+4.0% | $50.0M+22.0% | $41.0M+2.8% | $39.9M+5.4% | $37.8M+26.9% | $29.8M+30.5% | $22.8M+49.3% | $15.3M-2.8% | $15.7M-20.9% | $19.9M+13.6% | $17.5M-5.6% | $18.5M-2.4% | $19.0M |
| Free Cash Flow | $6.1B | $6.1B-7.5% | $6.6B+16.2% | $5.7B+51.3% | $3.8B+11.3% | $3.4B+18.9% | $2.8B+41.6% | $2.0B+31.5% | $1.5B+42.7% | $1.1B-21.3% | $1.4B+38.7% | $982.2M-3.4% | $1.0B+22.1% | $833.4M-7.7% | $903.1M+6.6% | $847.1M |
| Investing Cash Flow | -$4.0B | -$4.0B+9.5% | -$4.5B+18.4% | -$5.5B-76.3% | -$3.1B-45.0% | -$2.1B+29.7% | -$3.0B-68.5% | -$1.8B-226.1% | -$554.0M+59.0% | -$1.4B | N/A | N/A | N/A | -$1.3B-230.2% | -$396.0M+26.5% | -$538.4M |
| Financing Cash Flow | -$1.9B | -$1.9B+1.8% | -$1.9B-2689.9% | -$69.0M+90.2% | -$706.0M+42.6% | -$1.2B-335.8% | $521.3M+746.2% | -$80.7M+91.8% | -$988.8M-28939.9% | -$3.4M | N/A | N/A | N/A | $524.0M+202.1% | -$513.0M-52.2% | -$337.1M |
| Share Buybacks | $3.5B | $1.9B+7770.8% | $24.0M | $0-100.0% | $586.0M-52.5% | $1.2B+1378.3% | $83.5M+2807.4% | $2.9M-99.0% | $282.8M | $0-100.0% | $75.3M-79.4% | $365.4M-19.5% | $454.1M+685.8% | $57.8M-66.4% | $172.1M-40.2% | $287.6M |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
ACGL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.1%-2.6pp | 24.7%-7.9pp | 32.6%+17.2pp | 15.3%-8.0pp | 23.3%+6.8pp | 16.5%-7.1pp | 23.6%+9.7pp | 13.9%+2.9pp | 11.0%-4.5pp | 15.5%+1.9pp | 13.7%-7.3pp | 20.9%+0.8pp | 20.1%+3.1pp | 17.0%+2.8pp | 14.2% |
| Return on Equity | 18.2%-2.5pp | 20.7%-3.5pp | 24.2%+12.8pp | 11.4%-4.5pp | 15.9%+5.2pp | 10.7%-3.5pp | 14.2%+6.2pp | 8.0%+1.3pp | 6.7%-1.7pp | 8.4%-0.3pp | 8.7%-5.0pp | 13.7%+1.1pp | 12.6%+1.1pp | 11.5%+2.0pp | 9.5% |
| Return on Assets | 5.5%-0.5pp | 6.1%-1.5pp | 7.5%+4.5pp | 3.1%-1.7pp | 4.8%+1.5pp | 3.3%-1.1pp | 4.3%+2.0pp | 2.4%+0.4pp | 1.9%-0.4pp | 2.4%0.0pp | 2.3%-1.5pp | 3.8%+0.2pp | 3.6%+0.3pp | 3.3%+0.8pp | 2.5% |
| Debt-to-Equity | 2.27-0.1x | 2.41+0.2x | 2.21-0.5x | 2.72+0.4x | 2.33+0.1x | 2.240.0x | 2.22-0.1x | 2.31-0.1x | 2.37-0.1x | 2.43-0.2x | 2.60+0.2x | 2.440.0x | 2.460.0x | 2.45-0.3x | 2.73 |
| FCF Margin | 30.8%-7.2pp | 38.0%-3.8pp | 41.8%+2.6pp | 39.2%+2.6pp | 36.6%+3.1pp | 33.5%+4.4pp | 29.0%+1.0pp | 28.1%+9.0pp | 19.1%-11.5pp | 30.5%+5.6pp | 24.9%-0.6pp | 25.5%+1.9pp | 23.6%-2.3pp | 25.9%-1.7pp | 27.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Arch Cap Group Ltd Ranks
Frequently Asked Questions
What is Arch Cap Group Ltd's annual revenue?
Arch Cap Group Ltd (ACGL) reported $19.9B in total revenue for fiscal year 2025. This represents a 14.3% 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 14.3% year-over-year, from $17.4B to $19.9B in fiscal year 2025.
Is Arch Cap Group Ltd profitable?
Yes, Arch Cap Group Ltd (ACGL) reported a net income of $4.4B in fiscal year 2025, with a net profit margin of 22.1%.
What is Arch Cap Group Ltd's net profit margin?
Arch Cap Group Ltd (ACGL) had a net profit margin of 22.1% in fiscal year 2025, 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 2025.
What is Arch Cap Group Ltd's return on equity (ROE)?
Arch Cap Group Ltd (ACGL) has a return on equity of 18.2% for fiscal year 2025, 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 $6.1B in free cash flow during fiscal year 2025. This represents a -7.5% 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 $6.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Arch Cap Group Ltd's total assets?
Arch Cap Group Ltd (ACGL) had $79.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Arch Cap Group Ltd's capital expenditures?
Arch Cap Group Ltd (ACGL) invested $44.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Arch Cap Group Ltd's debt-to-equity ratio?
Arch Cap Group Ltd (ACGL) had a debt-to-equity ratio of 2.27 as of fiscal year 2025, 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 5.5% for fiscal year 2025, 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 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.40x, 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 59 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.