What is Arch Capital Grp's earnings per share (EPS)?

Arch Capital Grp (ACGLO) 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 Capital Grp Financials

ACGLO

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Arch Capital Grp (ACGLO) 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).

Financial Health Signals

Financial Profile 66/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Arch Capital Grp's revenue grew 14.3% year-over-year to $19.9B, a solid pace of expansion. This earns a growth score of 57/100.

Leverage

Arch Capital Grp has a moderate D/E ratio of 2.27. This balance of debt and equity financing earns a leverage score of 56/100.

Cash Flow

100

Arch Capital Grp converts 30.8% of revenue into free cash flow ($6.1B). This strong cash generation earns a score of 100/100.

Returns

Arch Capital Grp's ROE of 18.2% shows moderate profitability relative to equity, earning a score of 51/100. This is down from 20.7% the prior year.

Piotroski F-Score Neutral

5/9

Arch Capital Grp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.40x

For every $1 of reported earnings, Arch Capital Grp 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 Capital Grp 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 Capital Grp 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 Capital Grp 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 Capital Grp 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 Capital Grp 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 Capital Grp 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 Capital Grp 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 Capital Grp'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 Capital Grp'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 Capital Grp 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 Capital Grp 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.

ACGLO 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$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+7.3%	$3.9B
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	-$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-22.6%	$53.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+2.9%	$34.0M
Income Tax	$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-4.0%	$101.0M
Net Income	$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+13.3%	$1.1B
EPS (Diluted)	N/A	$3.56+10.2%	$3.23+118.2%	$1.48	N/A	$2.56-22.4%	$3.30+13.0%	$2.92

ACGLO 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$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+4.3%	$62.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+2.7%	$993.0M
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	$607.0M	N/A	N/A	N/A	$571.0M	N/A	N/A	N/A
Total Liabilities	$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+3.2%	$43.4B
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+2.1%	$23.7B+2.9%	$23.0B+6.9%	$21.5B+3.5%	$20.8B-6.5%	$22.3B+7.8%	$20.7B+6.8%	$19.4B
Retained Earnings	$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+5.9%	$21.4B

ACGLO 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$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-2.9%	$1.6B
Capital Expenditures	$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-26.7%	$15.0M
Free Cash Flow	$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-2.7%	$1.5B
Investing Cash Flow	-$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-7.1%	-$1.4B
Financing Cash Flow	-$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+133.3%	-$42.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$798.0M+9.0%	$732.0M+349.1%	$163.0M-16.8%	$196.0M+716.7%	$24.0M	$0	$0	$0

ACGLO 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	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	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%+1.6pp	28.4%
Return on Equity	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%+0.4pp	5.8%
Return on Assets	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%+0.2pp	1.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.27-0.1	2.34-0.1	2.42-0.1	2.49+0.1	2.41+0.1	2.31+0.1	2.17-0.1	2.24
FCF Margin	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%-3.7pp	39.3%

Frequently Asked Questions

What is Arch Capital Grp's annual revenue?

Arch Capital Grp (ACGLO) 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 Capital Grp's revenue growing?

Arch Capital Grp (ACGLO) revenue grew by 14.3% year-over-year, from $17.4B to $19.9B in fiscal year 2025.

Is Arch Capital Grp profitable?

Yes, Arch Capital Grp (ACGLO) reported a net income of $4.4B in fiscal year 2025, with a net profit margin of 22.1%.

What is Arch Capital Grp's net profit margin?

Arch Capital Grp (ACGLO) 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 Capital Grp pay dividends?

Yes, Arch Capital Grp (ACGLO) paid $5.00 per share in dividends during fiscal year 2025.

What is Arch Capital Grp's return on equity (ROE)?

Arch Capital Grp (ACGLO) 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 Capital Grp's free cash flow?

Arch Capital Grp (ACGLO) 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 Capital Grp's operating cash flow?

Arch Capital Grp (ACGLO) generated $6.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Arch Capital Grp's total assets?

Arch Capital Grp (ACGLO) had $79.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Arch Capital Grp's capital expenditures?

Arch Capital Grp (ACGLO) invested $44.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Arch Capital Grp buy back shares?

Yes, Arch Capital Grp (ACGLO) spent $1.9B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Arch Capital Grp have outstanding?

Arch Capital Grp (ACGLO) had 359M shares outstanding as of fiscal year 2025.

What is Arch Capital Grp's debt-to-equity ratio?

Arch Capital Grp (ACGLO) 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 Capital Grp's return on assets (ROA)?

Arch Capital Grp (ACGLO) 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 Capital Grp's Piotroski F-Score?

Arch Capital Grp (ACGLO) has a Piotroski F-Score of 5 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 Capital Grp's earnings high quality?

Arch Capital Grp (ACGLO) 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 Capital Grp?

Arch Capital Grp (ACGLO) scores 66 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.