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

Arch Cap Group R (ACGLN) reported diluted earnings per share of $11.60 for fiscal year 2025. 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.

Arch Cap Group R Financials

ACGLN

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Arch Cap Group R (ACGLN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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).

Rhea AI ACGLN FY2025 2026-07-18

Arch Capital’s cash-rich earnings come from a balance-sheet-scaled model that expands assets faster than physical reinvestment needs.

Across the last three annual reports, revenue scale expanded sharply while net income stayed near $4.4B, so getting bigger did not translate into much more absolute profit. In FY2025, operating cash flow still ran ahead of earnings at $6.2B, showing the larger balance sheet continued to produce cash even as profitability per dollar of activity normalized.

Capital intensity at the corporate level is extremely low: capital spending was only $44M in FY2025, so free cash flow stayed very close to operating cash flow. That tells you this business does not need heavy spending on physical assets to sustain its earning capacity; cash is mainly deployed through the balance sheet instead.

Balance-sheet leverage became a little less stretched as liabilities relative to equity eased to 2.3x from 2.7x over the period. Buybacks also helped per-share results: net income stayed near $4.4B, but shares outstanding fell about 4.6%.

Financial Health Signals

Financial Health Score 59/100

Scored as: Insurers peer group

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 R'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.

Loss Ratio

Premium Growth

Capital

Combined Ratio

Stability

Piotroski F-Score Partial

5/6

Arch Cap Group R 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.

Earnings Quality Cash-Backed

1.40x

For every $1 of reported earnings, Arch Cap Group R 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

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Earnings & Revenue

Revenue

$19.9B

YoY+14.3%

5Y CAGR+18.6%

10Y CAGR+17.6%

Arch Cap Group R generated $19.9B in revenue in fiscal year 2025. This represents an increase of 14.3% from the prior year.

EBITDA

N/A

Net Income

$4.4B

YoY+2.0%

5Y CAGR+25.6%

10Y CAGR+23.4%

Arch Cap Group R reported $4.4B in net income in fiscal year 2025. This represents an increase of 2.0% from the prior year.

EPS (Diluted)

$11.60

YoY+3.7%

5Y CAGR+28.4%

Arch Cap Group R earned $11.60 per diluted share (EPS) in fiscal year 2025. This represents an increase of 3.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$6.1B

YoY-7.5%

5Y CAGR+16.6%

10Y CAGR+20.1%

Arch Cap Group R 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.

Cash & Debt

$993.0M

YoY+1.4%

5Y CAGR+1.8%

10Y CAGR+6.0%

Arch Cap Group R held $993.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$5.00

YoY+0.0%

Arch Cap Group R paid $5.00 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

359M

YoY-4.6%

5Y CAGR-2.5%

Arch Cap Group R had 359M shares outstanding in fiscal year 2025. This represents a decrease of 4.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.1%

YoY-2.6pp

5Y CAGR+5.5pp

10Y CAGR+8.4pp

Arch Cap Group R'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.

Return on Equity

18.2%

YoY-2.5pp

5Y CAGR+7.4pp

10Y CAGR+9.4pp

Arch Cap Group R'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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.9B

YoY+7770.8%

5Y CAGR+86.6%

10Y CAGR+17.9%

Arch Cap Group R 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.

Capital Expenditures

$44.0M

YoY-13.7%

5Y CAGR+2.0%

10Y CAGR+10.8%

Arch Cap Group R 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.

ACGLN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$19.9B+14.3%	$17.4B+27.9%	$13.6B+41.8%	$9.6B+3.9%	$9.2B+8.7%	$8.5B
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	$132.0M-34.0%	$200.0M+96.1%	$102.0M+7.4%	$95.0M+21.8%	$78.0M-4.9%	$82.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$148.0M+5.0%	$141.0M+6.0%	$133.0M+1.5%	$131.0M-5.8%	$139.0M-3.1%	$143.5M
Income Tax	$760.0M+109.9%	$362.0M+141.5%	-$873.0M-1191.3%	$80.0M-37.5%	$128.0M+14.5%	$111.8M
Net Income	$4.4B+2.0%	$4.3B-2.9%	$4.4B+201.0%	$1.5B-31.6%	$2.2B+53.5%	$1.4B
EPS (Diluted)	$11.60+3.7%	$11.19-3.7%	$11.62+205.8%	$3.80-27.3%	$5.23+57.5%	$3.32

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$4.5B-8.4%	$4.9B-3.4%	$5.1B-2.0%	$5.2B+11.6%	$4.7B+2.7%	$4.5B-3.7%	$4.7B+11.7%	$4.2B
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+304.2%	-$24.0M-149.0%	$49.0M+4.3%	$47.0M-21.7%	$60.0M+5.3%	$57.0M+16.3%	$49.0M+19.5%	$41.0M
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+2.7%	$37.0M-2.6%	$38.0M+8.6%	$35.0M-5.4%	$37.0M+5.7%	$35.0M0.0%	$35.0M
Income Tax	$98.0M-53.3%	$210.0M-2.3%	$215.0M+0.5%	$214.0M+76.9%	$121.0M+83.3%	$66.0M-32.7%	$98.0M+1.0%	$97.0M
Net Income	$1.0B-15.4%	$1.2B-8.3%	$1.4B+9.1%	$1.2B+115.5%	$574.0M-38.6%	$935.0M-5.4%	$988.0M-22.1%	$1.3B
EPS (Diluted)	$2.88	N/A	$3.56+10.2%	$3.23+118.2%	$1.48	N/A	$2.56-22.4%	$3.30

ACGLN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$79.2B+11.8%	$70.9B+20.4%	$58.9B+22.7%	$48.0B+6.4%	$45.1B+4.2%	$43.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$993.0M+1.4%	$979.0M+6.8%	$917.0M+7.3%	$855.0M-0.5%	$859.0M-5.2%	$906.4M
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	$607.0M+6.3%	$571.0M+65.5%	$345.0M+0.9%	$342.0M-0.9%	$345.0M+9.7%	$314.6M
Total Liabilities	$55.0B+9.9%	$50.1B+23.5%	$40.6B+15.6%	$35.1B+11.2%	$31.5B+7.7%	$29.3B
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	$24.2B+16.3%	$20.8B+13.4%	$18.4B+42.2%	$12.9B-4.7%	$13.5B+3.4%	$13.1B
Retained Earnings	$27.0B+19.2%	$22.7B+11.8%	$20.3B+27.7%	$15.9B+9.9%	$14.5B+16.9%	$12.4B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$81.4B+2.8%	$79.2B+0.1%	$79.2B+0.5%	$78.8B+4.8%	$75.2B+6.0%	$70.9B-3.7%	$73.7B+12.5%	$65.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$914.0M-8.0%	$993.0M-6.6%	$1.1B+8.1%	$983.0M-17.2%	$1.2B+21.2%	$979.0M-4.5%	$1.0B+0.5%	$1.0B
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	$607.0M	N/A	N/A	N/A	$571.0M	N/A	N/A
Total Liabilities	$57.3B+4.0%	$55.0B-0.8%	$55.5B-0.5%	$55.7B+3.9%	$53.6B+7.1%	$50.1B-2.5%	$51.4B+14.7%	$44.8B
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	$24.2B-0.1%	$24.2B+2.1%	$23.7B+2.9%	$23.0B+6.9%	$21.5B+3.5%	$20.8B-6.5%	$22.3B+7.8%	$20.7B
Retained Earnings	$28.1B+3.8%	$27.0B+4.8%	$25.8B+5.5%	$24.5B+5.3%	$23.3B+2.5%	$22.7B-4.0%	$23.6B+4.3%	$22.7B

ACGLN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$6.2B-7.5%	$6.7B+16.1%	$5.7B+50.7%	$3.8B+11.4%	$3.4B+18.7%	$2.9B
Capital Expenditures	$44.0M-13.7%	$51.0M-1.9%	$52.0M+4.0%	$50.0M+22.0%	$41.0M+2.8%	$39.9M
Free Cash Flow	$6.1B-7.5%	$6.6B+16.2%	$5.7B+51.3%	$3.8B+11.3%	$3.4B+18.9%	$2.8B
Investing Cash Flow	-$4.0B+9.5%	-$4.5B+18.4%	-$5.5B-76.3%	-$3.1B-45.0%	-$2.1B+29.7%	-$3.0B
Financing Cash Flow	-$1.9B+1.8%	-$1.9B-2689.9%	-$69.0M+90.2%	-$706.0M+42.6%	-$1.2B-335.8%	$521.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.9B+7770.8%	$24.0M	$0-100.0%	$586.0M-52.5%	$1.2B+1378.3%	$83.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.2B-15.4%	$1.4B-35.8%	$2.2B+94.5%	$1.1B-22.9%	$1.5B-7.3%	$1.6B-22.1%	$2.0B+32.9%	$1.5B
Capital Expenditures	$8.0M-27.3%	$11.0M-8.3%	$12.0M0.0%	$12.0M+33.3%	$9.0M-30.8%	$13.0M+8.3%	$12.0M+9.1%	$11.0M
Free Cash Flow	$1.2B-15.3%	$1.4B-35.9%	$2.2B+95.5%	$1.1B-23.3%	$1.4B-7.1%	$1.6B-22.2%	$2.0B+33.1%	$1.5B
Investing Cash Flow	-$639.0M-53.2%	-$417.0M+69.8%	-$1.4B-12.6%	-$1.2B-21.8%	-$1.0B-340.0%	$420.0M+121.4%	-$2.0B-30.1%	-$1.5B
Financing Cash Flow	-$827.0M-6.3%	-$778.0M-4.7%	-$743.0M-480.5%	-$128.0M+46.9%	-$241.0M+87.2%	-$1.9B-26900.0%	-$7.0M-150.0%	$14.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$783.0M-1.9%	$798.0M+9.0%	$732.0M+349.1%	$163.0M-16.8%	$196.0M+716.7%	$24.0M	$0	$0

ACGLN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	22.1%-2.6pp	24.7%-7.9pp	32.6%+17.2pp	15.3%-8.0pp	23.3%+6.8pp	16.5%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.27-0.1	2.41+0.2	2.21-0.5	2.72+0.4	2.33+0.1	2.24
FCF Margin	30.8%-7.2pp	38.0%-3.8pp	41.8%+2.6pp	39.2%+2.6pp	36.6%+3.1pp	33.5%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	23.2%-1.9pp	25.1%-1.3pp	26.4%+2.7pp	23.7%+11.5pp	12.3%-8.3pp	20.6%-0.4pp	20.9%-9.1pp	30.0%
Return on Equity	4.3%-0.8pp	5.1%-0.6pp	5.7%+0.3pp	5.4%+2.7pp	2.7%-1.8pp	4.5%+0.1pp	4.4%-1.7pp	6.1%
Return on Assets	1.3%-0.3pp	1.6%-0.1pp	1.7%+0.1pp	1.6%+0.8pp	0.8%-0.6pp	1.3%-0.0pp	1.3%-0.6pp	1.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.37+0.1	2.27-0.1	2.34-0.1	2.42-0.1	2.49+0.1	2.41+0.1	2.31+0.1	2.17
FCF Margin	26.1%-2.1pp	28.2%-14.3pp	42.5%+21.2pp	21.3%-9.7pp	31.0%-3.3pp	34.3%-8.2pp	42.5%+6.9pp	35.6%

Frequently Asked Questions

What is Arch Cap Group R's annual revenue?

Arch Cap Group R (ACGLN) 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 R's revenue growing?

Arch Cap Group R (ACGLN) revenue grew by 14.3% year-over-year, from $17.4B to $19.9B in fiscal year 2025.

Is Arch Cap Group R profitable?

Yes, Arch Cap Group R (ACGLN) reported a net income of $4.4B in fiscal year 2025, with a net profit margin of 22.1%.

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

Arch Cap Group R (ACGLN) 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 R pay dividends?

Yes, Arch Cap Group R (ACGLN) paid $5.00 per share in dividends during fiscal year 2025.

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

Arch Cap Group R (ACGLN) 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 R's free cash flow?

Arch Cap Group R (ACGLN) 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 R's operating cash flow?

Arch Cap Group R (ACGLN) generated $6.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Arch Cap Group R's total assets?

Arch Cap Group R (ACGLN) had $79.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Arch Cap Group R's capital expenditures?

Arch Cap Group R (ACGLN) invested $44.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Arch Cap Group R buy back shares?

Yes, Arch Cap Group R (ACGLN) spent $1.9B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Arch Cap Group R have outstanding?

Arch Cap Group R (ACGLN) had 359M shares outstanding as of fiscal year 2025.

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

Arch Cap Group R (ACGLN) 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 R's return on assets (ROA)?

Arch Cap Group R (ACGLN) 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 R's Piotroski F-Score?

Arch Cap Group R (ACGLN) 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 R's earnings high quality?

Arch Cap Group R (ACGLN) 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 R?

Arch Cap Group R (ACGLN) 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.