ACGLArch Capital Group
Arch Capital is a publicly listed Bermuda exempted company with approximately $26.9 billion in capital at December 31, 2025 and is part of the S&P 500 index. 10-K, Item 1
- Employees
- 8,000
- Headquarters
- Pembroke, D0
- Next results
- around Feb 8, 2027
All key numbers (34) From EDGAR
| EPS (ttm) | 12.23 | Sales (ttm) | 18.8B | Net income (ttm) | 4.4B | Sales growth | +14.3% | EPS growth | +3.7% | Sales Q/Q | -8.9% |
| Free cash flow | 5.6B | Gross margin | - | Oper. margin | - | Net margin | 23.3% | FCF margin | 30.0% | ROE | 19.0% |
| ROA | 5.2% | R&D / sales | - | Dividend | 5.00 | Debt/Eq | - | Curr. ratio | - | Cash | 1.2B |
| Op. cash flow (ttm) | 5.7B | Payout ratio | 43.1% | Tax rate | 14.7% | Stock pay / sales | 0.7% | Shares out. | 325.5M | Shares Y/Y | -1.5% |
| Book / share | 70.63 | Cash / share | 3.54 | Sales / share | 57.69 | Asset turnover | 0.22 | Sales 3Y CAGR | +27.5% | Sales 5Y CAGR | +18.6% |
| EPS 3Y CAGR | +45.1% | EPS 5Y CAGR | +28.4% | Employees | 8,000 | Sales / employee | 2.3M |
Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.
Changes in the numbers
FY2025 against FY2024-
Revenue growth slowed to +14.3%+27.9% → +14.3% · Revenue FY2025 / revenue FY2024 − 1, against the same a year earlier · 10-K ↗
ACGL against Financials peers
Ten years, side by side → · All 76 →Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How
Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.
| Company | Revenue (ttm) | Sales growth | Gross margin | Net margin | ROE | FCF margin | Debt / equity |
|---|---|---|---|---|---|---|---|
| ACGL Arch Capital Group | $18.8B | +14.3% | - | 23.3% | 19.0% | 30.0% | - |
| AMP Ameriprise Financial | $20.1B | +5.5% | - | 20.7% | 81.4% | 36.4% | - |
| TFC Truist Financial | $19.4B | +53.0% | - | 25.1% | 7.9% | - | 1.07 |
| SYF Synchrony Financial | $19.3B | -2.8% | - | 17.3% | 20.1% | - | 1.03 |
| L Loews Corporation | $18.8B | +5.4% | - | 7.9% | 8.1% | 9.0% | 0.49 |
| AON Aon plc | $17.7B | +9.4% | - | 22.2% | 38.9% | 18.5% | 2.78 |
Profitability
3 of 3- ✓Net margin above the peer median23.3% vs 20.4%
- ✓Return on equity above 15%19.0%
- ✓A profit in every one of 10 years
Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.
Revenue and net income, FY2016 to FY2025
Revenue 19.9B Net income 4.4BFrom XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →
ACGL's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.
Income statement
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2020 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.5B | 5.6B | 5.5B | 6.9B | 8.5B | 9.2B | 9.6B | 13.6B | 17.4B | 19.9B |
| SG&A | 81.7M | 83.8M | 79.0M | 80.1M | 82.0M | 78.0M | 95.0M | 102.0M | 200.0M | 132.0M |
| Interest expense | 66.3M | 117.4M | 120.5M | 120.9M | 143.5M | 139.0M | 131.0M | 133.0M | 141.0M | 148.0M |
| Pretax income | 855.6M | 757.3M | 841.8M | 1.8B | 1.6B | 2.4B | 1.6B | 3.6B | 4.7B | 5.2B |
| Income tax | 31.4M | 127.6M | 114.0M | 155.8M | 111.8M | 128.0M | 80.0M | -873.0M | 362.0M | 760.0M |
| Net income | 692.7M | 619.3M | 758.0M | 1.6B | 1.4B | 2.2B | 1.5B | 4.4B | 4.3B | 4.4B |
| EPS (diluted) | 1.78 | 1.36 | 1.73 | 3.87 | 3.32 | 5.23 | 3.80 | 11.62 | 11.19 | 11.60 |
| Diluted shares | 374.2M | 417.8M | 412.9M | 411.6M | 410.3M | 400.3M | 377.6M | 378.8M | 381.8M | 375.9M |
| Net margin | 15.5% | 11.0% | 13.9% | 23.6% | 16.5% | 23.3% | 15.4% | 32.6% | 24.7% | 22.1% |
| Revenue growth | - | +26.1% | -3.1% | +27.1% | +22.8% | +8.7% | +3.9% | +41.8% | +27.9% | +14.3% |
| EPS growth | - | -23.6% | +27.2% | +124% | -14.2% | +57.5% | -27.3% | +206% | -3.7% | +3.7% |
Balance sheet
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2020 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash | 842.9M | 606.2M | 646.6M | 726.2M | 906.4M | 859.0M | 855.0M | 917.0M | 979.0M | 993.0M |
| Goodwill | 204.0M | 198.2M | 249.6M | 326.6M | 314.6M | 345.0M | 342.0M | 345.0M | 571.0M | 607.0M |
| Total assets | 29.4B | 32.1B | 32.2B | 37.9B | 43.3B | 45.1B | 48.0B | 58.9B | 70.9B | 79.2B |
| Total liabilities | 20.1B | 21.8B | 21.8B | 25.6B | 29.3B | 31.5B | 35.1B | 40.6B | 50.1B | 55.0B |
| Shareholders' equity | 8.3B | 9.2B | 9.4B | 11.5B | 13.1B | 13.5B | 12.9B | 18.4B | 20.8B | 24.2B |
| Retained earnings | 8.0B | 8.6B | 9.4B | 11.0B | 12.4B | 14.5B | 15.9B | 20.3B | 22.7B | 27.0B |
Cash flow
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2020 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 1.4B | 1.1B | 1.6B | 2.0B | 2.9B | 3.4B | 3.8B | 5.7B | 6.7B | 6.2B |
| Capital spending | 15.3M | 22.8M | 29.8M | 37.8M | 39.9M | 41.0M | 50.0M | 52.0M | 51.0M | 44.0M |
| Free cash flow | 1.4B | 1.1B | 1.5B | 2.0B | 2.8B | 3.4B | 3.8B | 5.7B | 6.6B | 6.1B |
| Stock-based pay (added back) | 56.6M | 67.8M | 55.8M | 66.4M | 71.3M | 88.0M | 88.0M | 93.0M | 133.0M | 148.0M |
| Buybacks | 75.3M | 0 | 282.8M | 2.9M | 83.5M | 1.2B | 586.0M | 0 | 24.0M | 1.9B |
| Acquisitions | 2.0B | 0 | 0 | - | - | - | 0 | 0 | -852.0M | 0 |
| Investing cash flow | -2.7B | -1.4B | -554.0M | -1.8B | -3.0B | -2.1B | -3.1B | -5.5B | -4.5B | -4.0B |
| Financing cash flow | 1.6B | -3.4M | -988.8M | -80.7M | 521.3M | -1.2B | -706.0M | -69.0M | -1.9B | -1.9B |
| Dividend per share | - | - | - | - | - | - | - | - | 5.00 | 5.00 |
Stock-based pay and leases
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2020 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based pay (expense) | 56.6M | 67.8M | 55.8M | 66.4M | 71.3M | 88.0M | 88.0M | 93.0M | 133.0M | 148.0M |
| Stock-based pay / revenue | 1.3% | 1.2% | 1.0% | 1.0% | 0.8% | 1.0% | 0.9% | 0.7% | 0.8% | 0.7% |
| Operating lease cost | - | - | - | - | - | 31.7M | 34.0M | 33.0M | 34.0M | 32.0M |
| Operating lease cash paid | - | - | - | 27.5M | 30.4M | 32.1M | 26.0M | 31.0M | 30.0M | 31.0M |
| Right-of-use assets | - | - | - | - | - | 106.8M | 123.0M | 125.0M | 129.0M | 120.0M |
| Operating lease liabilities | - | - | - | 150.5M | 136.0M | 126.7M | 152.0M | 156.0M | 163.0M | 156.0M |
From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.
Work on ACGL in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
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