Arch Cap Group Stock Price, News & Analysis

Arch Capital Group Ltd. (NASDAQ: ACGL) is a Bermuda exempted company that provides insurance, reinsurance and mortgage insurance on a worldwide basis through its wholly owned subsidiaries. Classified in the finance and insurance sector and associated with direct property and casualty insurance carriers, Arch participates in global risk transfer and mortgage credit protection markets. The company is part of the S&P 500 Index, which reflects its inclusion among large U.S.-listed companies.

Business Model and Core Segments

Arch Capital Group operates through three primary underwriting segments: insurance, reinsurance and mortgage. According to company disclosures, these segments are central to how Arch organizes its activities and reports financial performance.

The insurance segment focuses on specialty risk solutions for clients across various industries. This segment writes business through Arch Insurance entities, including Arch Insurance North America, which encompasses operations in the United States and Canada. Business in the U.S. is written by Arch Insurance Company, Arch Specialty Insurance Company, Arch Property & Casualty Insurance Company, Arch Wilsure Insurance Company and Arch Indemnity Insurance Company. Business in Canada is written by Arch Insurance Canada Ltd.

The reinsurance segment provides reinsurance services that cover a range of risks. Based on the company’s description, these include property catastrophe, property, liability, marine, aviation and space, trade credit and surety, agriculture, accident, life and health, and political risk. Arch Reinsurance Ltd., a wholly owned subsidiary, participates in this segment and utilizes facilities such as a letter of credit agreement to support its obligations.

The mortgage segment offers risk management and risk financing products to the mortgage insurance sector through platforms in the U.S., Europe and Bermuda. Arch MI, a wholly owned subsidiary, provides private insurance covering mortgage credit risk in the U.S. and is described by the company as a leading provider in this space. Arch MI’s flagship mortgage insurer, Arch Mortgage Insurance Company, is licensed to write mortgage insurance in all 50 U.S. states, the District of Columbia and Puerto Rico.

Geographic Footprint and Subsidiaries

Arch Capital Group states that it provides insurance, reinsurance and mortgage insurance on a worldwide basis. Its operations include activities in the United States and Canada through Arch Insurance North America, and mortgage insurance platforms in the U.S., Europe and Bermuda. The company has also expanded operational capabilities through Arch Global Services India, a wholly owned subsidiary that provides business services such as underwriting, claims, finance and risk operations from locations including Trivandrum and Hyderabad in India. These offices are described as supporting Arch’s business operations around the world and focusing on technology-driven and business-service activities.

Within travel insurance, Arch operates the Arch RoamRight brand, which the company describes as a travel insurance provider that insures U.S. residents traveling globally. Arch RoamRight offers trip cancellation and travel medical insurance plans and uses digital tools such as a mobile app and website to support customers and travel advisors. The Accident and Health business unit of Arch Insurance also provides travel products under the Arch RoamRight and Arch Red Sky affiliate brands, as well as disability/paid family medical leave and Accident and Health insurance products.

Capital, Listings and Corporate Structure

Arch Capital Group Ltd. is listed on the Nasdaq Stock Market under the ticker symbol ACGL. The company has also registered depositary shares representing interests in preferred shares, which trade on Nasdaq under the symbols ACGLO and ACGLN. According to company news releases, Arch had approximately $25.8 billion to $26.4 billion in capital at mid and late 2025, and it is identified as a Bermuda exempted company. The company has an established share repurchase program, and its board has approved increases in the authorization for share repurchases, providing flexibility in capital allocation.

Arch’s capital structure also includes non-cumulative preferred shares, Series F and Series G, represented by depositary shares. The board has declared dividends on these preferred series, payable out of lawfully available funds under Bermuda law, as disclosed in recent Form 8-K filings.

Segment Reporting and Financial Performance Framework

Arch reports segment performance using measures such as gross premiums written, net premiums written, net premiums earned, underwriting income and combined ratios. The company provides combined ratios both including and excluding catastrophic activity and prior year development. For example, in its 2025 third quarter results, Arch reported underwriting income and combined ratios for the insurance, reinsurance and mortgage segments, along with commentary on catastrophic losses and prior year reserve development.

The company also highlights non-GAAP financial measures, such as after-tax operating income available to common shareholders and operating return on average common equity. These measures are reconciled to net income in Arch’s financial supplements and earnings releases, as referenced in its Form 8-K filings.

Mortgage Insurance and Capital Management

In the mortgage segment, Arch MI uses transactions such as mortgage insurance-linked notes to obtain indemnity reinsurance on pools of mortgages. The Bellemeade Re program, for example, has been used to secure indemnity reinsurance on portfolios of mortgage insurance policies. The company notes that Bellemeade is an important part of its risk and capital management strategy, and that these transactions involve issuing classes of amortizing notes with specified legal final maturities and ratings from external rating agencies.

Arch’s broader capital management approach includes share repurchases and the use of facilities such as a letter of credit agreement for Arch Reinsurance Ltd. The company has disclosed amendments to this facility, including extensions of availability periods and underwriting year coverage, and a facility size of $700 million for letters of credit.

Operational Support and Global Services

Arch Global Services India supports Arch Capital Group’s affiliates by providing business services and technology capabilities. The Trivandrum office is described as the largest office, providing services including underwriting, claims, finance and risk operations, while the Hyderabad office functions as a technology hub delivering technology-driven services across Arch’s businesses. These locations are positioned as part of Arch’s long-term presence and expansion into India.

Travel and Accident & Health Insurance

Through Arch Insurance’s Accident and Health business unit, Arch offers travel insurance products under the Arch RoamRight and Arch Red Sky affiliate brands, as well as disability/paid family medical leave and Accident and Health insurance products. Arch RoamRight has been recognized in industry awards programs for customer service, travel advisor support and advisor services. The brand also supports travel advisors with dedicated online resources for onboarding, marketing tools and quoting.

Regulatory Filings and Investor Communications

Arch Capital Group communicates with investors through earnings releases, financial supplements and Form 8-K filings that report results of operations, capital actions and material agreements. The company schedules conference calls and webcasts for quarterly results and archives recordings and transcripts for a period of time. It also includes cautionary notes regarding forward-looking statements in its news releases and filings, referencing the Private Securities Litigation Reform Act of 1995.

ACGL Stock and Investor Considerations

The ACGL stock represents common shares of Arch Capital Group Ltd. listed on Nasdaq. Investors may also encounter the preferred share depositary symbols ACGLO and ACGLN, which correspond to interests in Series F and Series G preferred shares. As a company in the finance and insurance sector with activities in insurance, reinsurance and mortgage insurance, Arch’s disclosures emphasize underwriting performance, capital management, investment income and risk management practices.

Frequently Asked Questions about Arch Capital Group Ltd. (ACGL)

• What does Arch Capital Group Ltd. do?
  

  Arch Capital Group Ltd. provides insurance, reinsurance and mortgage insurance on a worldwide basis through its wholly owned subsidiaries. Its activities span specialty insurance, reinsurance across multiple lines of risk and mortgage credit risk coverage.

• How is Arch Capital Group organized?
  

  The company operates through three primary underwriting segments: insurance, reinsurance and mortgage. Each segment reports metrics such as premiums, underwriting income and combined ratios, as described in the company’s financial disclosures.

• Where is Arch Capital Group listed?
  

  Arch Capital Group Ltd.’s common shares trade on the Nasdaq Stock Market under the symbol ACGL. Depositary shares representing interests in Series F and Series G preferred shares trade under the symbols ACGLO and ACGLN, respectively.

• What is Arch Insurance North America?
  

  Arch Insurance North America is part of Arch Capital Group Ltd. and includes the company’s insurance operations in the United States and Canada. Business in the U.S. is written by several Arch Insurance entities, and business in Canada is written by Arch Insurance Canada Ltd.

• What is Arch MI?
  

  Arch MI is a wholly owned subsidiary of Arch Capital Group Ltd. that provides private insurance covering mortgage credit risk in the U.S. Arch MI’s flagship mortgage insurer, Arch Mortgage Insurance Company, is licensed to write mortgage insurance in all 50 states, the District of Columbia and Puerto Rico.

• What is Arch RoamRight?
  

  Arch RoamRight is a travel insurance provider within Arch Insurance’s Accident and Health business. It insures U.S. residents traveling around the world and offers products such as trip cancellation and travel medical insurance, supported by digital tools and advisor-focused programs.

• What role does Arch Global Services India play?
  

  Arch Global Services India is a wholly owned subsidiary of Arch Capital Group Ltd. It operates offices in locations such as Trivandrum and Hyderabad, providing business services and technology-driven support, including underwriting, claims, finance and risk operations, for Arch’s global businesses.

• What are Arch’s main areas of reinsurance?
  

  According to the company’s description, Arch’s reinsurance segment covers property catastrophe, property, liability, marine, aviation and space, trade credit and surety, agriculture, accident, life and health, and political risk.

• Is Arch Capital Group part of any major stock index?
  

  Yes. Arch Capital Group Ltd. is identified as part of the S&P 500 Index in company news releases, indicating its inclusion in that equity index.

• How does Arch approach capital management?
  

  Arch’s disclosures reference actions such as share repurchase authorizations, preferred share dividends and the use of mortgage insurance-linked notes and letter of credit facilities as elements of its capital and risk management framework.