ACGLArch Capital Group

Financials · Property & Casualty Insurance · Nasdaq

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

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ACGL and 9 peers, year by year

The 9 Financials companies closest to ACGL in revenue over the last twelve months. Every number is from the 10-K and links to it in SEC's Inline XBRL viewer.

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Each company's latest fiscal year
Company	Year	Revenue	Sales growth	Operating margin	Net margin	FCF margin	Return on equity	Debt / equity
ACGL Arch Capital Group	FY2025	$19.9B	+14.3%	-	22.1%	30.7%	18.2%	-
L Loews Corporation	FY2025	$18.5B	+9.7%	-	9.0%	14.6%	8.9%	0.51
SYF Synchrony Financial	FY2025	$19.0B	−2.8%	-	18.7%	-	21.2%	0.91
TFC Truist Financial	FY2025	$20.3B	+53.0%	-	24.5%	-	7.6%	1.07
AON Aon plc	FY2025	$17.2B	+9.4%	25.3%	21.5%	18.7%	39.5%	1.69
AMP Ameriprise Financial	FY2025	$18.9B	+5.5%	-	18.8%	43.2%	54.4%	-
KKR KKR & Co.	FY2025	$19.5B	−11.0%	-	12.2%	-	7.7%	-
RJF Raymond James Financial	FY2025	$15.9B	+6.6%	-	13.4%	14.1%	17.1%	0.06
FISV Fiserv	FY2025	$21.2B	+3.6%	27.5%	16.4%	20.3%	13.5%	1.12
PFG Principal Financial Group	FY2025	$15.6B	−3.1%	-	7.6%	-	10.0%	0.33

Revenuepeer median $18.9B

Sales growthpeer median +5.5%

Operating margin

FISV 27.5%
AON 25.3%
ACGL -
L -
SYF -
TFC -
AMP -
KKR -
RJF -
PFG -

Net marginpeer median 16.4%

FCF marginpeer median 18.7%

AMP 43.2%
ACGL 30.7%
FISV 20.3%
AON 18.7%
L 14.6%
RJF 14.1%
SYF -
TFC -
KKR -
PFG -

Return on equitypeer median 13.5%

Debt / equitypeer median 0.91

AON 1.69
FISV 1.12
TFC 1.07
SYF 0.91
L 0.51
PFG 0.33
RJF 0.06
ACGL -
AMP -
KKR -

RevenueSales growthOperating marginNet marginFree cash flowFCF marginReturn on equityDebt / equityEPS (diluted)

Revenue, FY2015 to FY2025

Revenue as reported in the 10-K.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	$3.9B	$4.5B	$5.6B	$5.5B	$6.9B	$9.2B	$9.6B	$13.6B	$17.4B	$19.9B
L Dec	$13.4B	$13.1B	$13.7B	$14.1B	$14.9B	$12.6B	$14.0B	$15.9B	$17.5B	$18.5B
SYF Dec	$12.5B	$13.9B	$15.3B	$16.4B	$17.2B	$14.8B	$16.0B	$17.3B	$19.5B	$19.0B
TFC Dec	-	$10.8B	$11.3B	$11.6B	$12.6B	$22.7B	$20.0B	$20.0B	$13.3B	$20.3B
AON Dec	$9.5B	$9.4B	$10.0B	$10.8B	$11.0B	$11.1B	$12.5B	$13.4B	$15.7B	$17.2B
AMP Dec	$12.2B	$11.8B	$12.2B	$12.9B	$13.1B	$12.0B	$14.3B	$16.1B	$17.9B	$18.9B
KKR Dec	$112.3M	$2.0B	$3.6B	$2.4B	$4.2B	$4.2B	$5.7B	$14.5B	$21.9B	$19.5B
RJF Sep	$5.3B	$5.5B	$6.5B	$7.5B	$8.0B	$8.2B	$11.3B	$13.0B	$14.9B	$15.9B
FISV Dec	$5.3B	$5.5B	$5.7B	$5.8B	$10.2B	$14.9B	$17.7B	$19.1B	$20.5B	$21.2B
PFG Dec	$12.0B	$12.4B	$14.1B	$14.2B	$16.2B	$14.7B	$17.5B	$13.7B	$16.1B	$15.6B
Peer median	$10.7B	$10.8B	$11.3B	$11.6B	$12.6B	$12.6B	$14.3B	$15.9B	$17.5B	$18.9B

Sales growth, FY2015 to FY2025

Revenue against the fiscal year before.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	-	+13.4%	+26.1%	−3.1%	+27.1%	+8.7%	+3.9%	+41.8%	+27.9%	+14.3%
L Dec	-	−2.3%	+11.4%	−2.0%	−0.4%	−27.1%	+4.1%	+13.1%	+22.6%	+9.7%
SYF Dec	-	+11.1%	+10.3%	+7.1%	+4.8%	−13.8%	+8.7%	+8.0%	+13.0%	−2.8%
TFC Dec	-	+12.3%	+4.9%	+2.1%	+8.7%	+80.7%	−10.4%	+0.2%	−33.7%	+53.0%
AON Dec	-	−0.7%	+6.3%	+7.7%	+2.3%	+0.5%	+2.3%	+7.2%	+17.4%	+9.4%
AMP Dec	-	−3.8%	+2.9%	+6.1%	+1.4%	−8.7%	+7.1%	+12.3%	+11.4%	+5.5%
KKR Dec	-	−41.5%	+39.5%	+19.4%	−2.8%	+0.2%	−64.8%	+154%	+50.9%	−11.0%
RJF Sep	-	+4.0%	+18.2%	+14.6%	+7.3%	+1.8%	+14.1%	+14.9%	+14.9%	+6.6%
FISV Dec	-	+4.8%	+3.5%	+2.2%	+74.9%	+45.8%	+9.3%	+7.6%	+7.1%	+3.6%
PFG Dec	-	+3.6%	+13.7%	+1.0%	+13.9%	−9.1%	+21.5%	−22.1%	+18.0%	−3.1%
Peer median	-	+3.6%	+10.3%	+6.1%	+4.8%	+0.2%	+7.1%	+8.0%	+14.9%	+5.5%

Operating margin, FY2015 to FY2025

Operating income / revenue.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	-	-	-	-	-	-	-	-	-	-
L Dec	-	-	-	-	-	-	-	-	-	-
SYF Dec	-	-	-	-	-	-	-	-	-	-
TFC Dec	-	-	-	-	-	-	-	-	-	-
AON Dec	16.7%	19.2%	10.7%	14.3%	19.7%	25.1%	29.4%	28.3%	24.4%	25.3%
AMP Dec	-	-	-	-	-	-	-	-	-	-
KKR Dec	-	-	-	-	-	-	-	-	-	-
RJF Sep	-	-	-	-	-	-	-	-	-	-
FISV Dec	25.0%	26.2%	26.9%	30.1%	15.8%	12.5%	21.1%	26.3%	28.7%	27.5%
PFG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	-	-	-	-	-	-	-	-	-	-

Net margin, FY2015 to FY2025

Net income / revenue.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	13.7%	15.5%	11.0%	13.9%	23.6%	23.3%	15.4%	32.6%	24.7%	22.1%
L Dec	1.9%	5.0%	8.5%	4.5%	6.2%	−7.4%	5.9%	9.0%	8.1%	9.0%
SYF Dec	17.7%	16.2%	12.6%	17.0%	21.8%	9.4%	18.8%	12.9%	17.9%	18.7%
TFC Dec	-	20.9%	19.6%	26.5%	24.1%	18.4%	29.7%	−7.3%	33.7%	24.5%
AON Dec	14.6%	14.8%	12.3%	10.5%	13.9%	17.8%	20.7%	19.2%	16.9%	21.5%
AMP Dec	12.8%	11.1%	12.2%	16.2%	14.4%	12.8%	22.0%	15.9%	19.0%	18.8%
KKR Dec	434.9%	15.2%	28.6%	47.2%	47.5%	47.3%	−9.1%	25.7%	14.1%	12.2%
RJF Sep	9.5%	9.6%	9.7%	11.5%	12.9%	10.0%	13.3%	13.4%	13.9%	13.4%
FISV Dec	13.6%	16.9%	21.9%	20.4%	8.8%	6.5%	14.3%	16.1%	15.3%	16.4%
PFG Dec	10.3%	10.6%	16.4%	10.9%	8.6%	9.5%	27.1%	4.6%	9.7%	7.6%
Peer median	13.2%	14.8%	12.6%	16.2%	13.9%	10.0%	18.8%	13.4%	15.3%	16.4%

Free cash flow, FY2015 to FY2025

Cash from operations minus capital spending.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	$982.2M	$1.4B	$1.1B	$1.5B	$2.0B	$3.4B	$3.8B	$5.7B	$6.6B	$6.1B
L Dec	$2.0B	$803.0M	$1.6B	$3.2B	$700.0M	$1.0B	$2.7B	$3.2B	$2.4B	$2.7B
SYF Dec	-	-	-	-	-	-	-	-	-	-
TFC Dec	-	-	-	$4.0B	$1.3B	$6.6B	$10.5B	-	-	-
AON Dec	$1.8B	$2.2B	$551.0M	$1.4B	$1.6B	$2.6B	$3.0B	$3.2B	$2.8B	$3.2B
AMP Dec	$2.6B	$2.2B	$1.4B	$2.4B	$2.2B	$4.5B	$4.2B	$4.5B	$6.4B	$8.2B
KKR Dec	$216.0M	−$1.5B	−$3.6B	−$7.7B	−$5.9B	-	-	-	-	-
RJF Sep	$824.6M	−$695.1M	−$315.0M	$750.0M	$439.0M	$3.9B	−$19.0M	−$3.7B	$1.9B	$2.2B
FISV Dec	$987.0M	$1.1B	$1.2B	$1.2B	$2.1B	$3.2B	$3.1B	$3.8B	$5.1B	$4.3B
PFG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	$1.4B	$972.0M	$873.5M	$1.4B	$1.3B	$3.6B	$3.1B	$3.2B	$2.8B	$3.2B

FCF margin, FY2015 to FY2025

Free cash flow / revenue.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	24.9%	30.5%	19.1%	28.1%	29.0%	36.6%	39.2%	41.8%	38.0%	30.7%
L Dec	14.8%	6.1%	11.4%	22.9%	4.7%	8.2%	18.9%	20.3%	13.7%	14.6%
SYF Dec	-	-	-	-	-	-	-	-	-	-
TFC Dec	-	-	-	34.5%	10.3%	29.2%	52.7%	-	-	-
AON Dec	19.1%	23.1%	5.5%	13.4%	14.6%	23.9%	24.2%	23.8%	17.9%	18.7%
AMP Dec	21.0%	18.9%	11.2%	18.8%	16.8%	37.4%	29.5%	28.0%	35.8%	43.2%
KKR Dec	192.3%	−73.7%	−102.0%	−321.8%	−139.2%	-	-	-	-	-
RJF Sep	15.5%	−12.6%	−4.8%	10.0%	5.5%	48.3%	−0.2%	−28.4%	13.1%	14.1%
FISV Dec	18.8%	20.7%	21.0%	20.5%	20.4%	21.9%	17.7%	19.8%	24.7%	20.3%
PFG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	18.9%	12.5%	8.3%	18.8%	10.3%	26.5%	21.6%	20.3%	17.9%	18.7%

Return on equity, FY2015 to FY2025

Net income / shareholders' equity at the year end.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	8.7%	8.4%	6.7%	8.0%	14.2%	15.9%	11.4%	24.2%	20.7%	18.2%
L Dec	1.5%	3.6%	6.1%	3.4%	4.9%	−5.2%	5.7%	9.1%	8.3%	8.9%
SYF Dec	17.6%	15.9%	13.6%	19.0%	24.8%	10.9%	23.4%	16.1%	21.1%	21.2%
TFC Dec	-	7.5%	7.5%	10.1%	4.5%	5.9%	9.8%	−2.5%	7.0%	7.6%
AON Dec	23.1%	25.5%	26.8%	27.3%	45.4%	56.3%	n/m	n/m	43.4%	39.5%
AMP Dec	21.7%	20.9%	24.7%	37.5%	32.0%	25.0%	82.8%	54.0%	65.1%	54.4%
KKR Dec	-	-	14.2%	13.1%	18.6%	14.6%	−2.8%	16.3%	13.0%	7.7%
RJF Sep	11.1%	10.8%	11.4%	13.5%	15.7%	11.5%	16.0%	17.0%	17.7%	17.1%
FISV Dec	26.8%	36.6%	45.6%	51.8%	2.7%	3.0%	8.2%	10.3%	11.6%	13.5%
PFG Dec	13.3%	12.9%	18.0%	13.6%	9.5%	8.4%	47.7%	5.7%	14.2%	10.0%
Peer median	17.6%	14.4%	14.2%	13.6%	15.7%	10.9%	12.9%	13.2%	14.2%	13.5%

Debt / equity, FY2015 to FY2025

Total debt / shareholders' equity at the year end.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	-	-	-	-	-	-	-	-	-	-
L Dec	0.60	0.59	0.60	0.61	0.60	0.57	0.63	0.57	0.52	0.51
SYF Dec	1.93	1.42	1.46	1.63	1.32	1.24	1.10	1.15	0.93	0.91
TFC Dec	-	0.78	0.96	0.96	0.89	0.64	1.10	1.08	1.01	1.07
AON Dec	0.95	1.19	1.37	1.56	2.39	2.34	n/m	n/m	2.90	1.69
AMP Dec	-	-	-	-	0.52	-	-	-	-	-
KKR Dec	-	-	2.98	2.62	2.51	2.44	-	-	-	-
RJF Sep	-	-	-	-	-	-	0.00	-	-	0.06
FISV Dec	1.61	1.80	1.79	2.60	0.66	0.64	0.69	0.77	0.92	1.12
PFG Dec	0.37	0.31	0.25	0.29	0.26	0.26	0.41	0.37	0.37	0.33
Peer median	0.95	0.99	1.37	1.56	0.78	0.64	0.66	0.77	0.93	0.91

EPS (diluted), FY2015 to FY2025

Diluted earnings per share, on today's share count after splits.

Company	FY2015	FY2016	FY2017	FY2018	FY2019	FY2020	FY2022	FY2023	FY2024	FY2025
ACGL Dec	$1.36	$1.78	$1.36	$1.73	$3.87	$5.23	$3.80	$11.62	$11.19	$11.60
L Dec	$0.72	$1.93	$3.45	$1.99	$3.07	−$3.32	$3.38	$6.29	$6.41	$7.97
SYF Dec	$2.65	$2.71	$2.42	$3.74	$5.56	$2.27	$6.15	$5.19	$8.55	$9.28
TFC Dec	-	$2.77	$2.74	$3.91	$3.71	$3.08	$4.43	−$1.09	$3.36	$3.82
AON Dec	$4.88	$5.16	$4.70	$4.59	$6.37	$8.45	$12.14	$12.51	$12.49	$17.02
AMP Dec	$8.48	$7.81	$9.44	$14.20	$13.92	$12.20	$27.70	$23.71	$33.05	$36.28
KKR Dec	-	-	-	-	-	-	-	-	-	-
RJF Sep	$3.43	$3.65	$4.33	$5.75	$4.78	$3.88	$6.98	$7.97	$9.70	$10.30
FISV Dec	$1.50	$2.08	$2.89	$2.87	$1.71	$1.40	$3.91	$4.98	$5.38	$6.34
PFG Dec	$4.06	$4.50	$7.88	$5.36	$4.96	$5.05	$18.63	$2.55	$6.68	$5.25
Peer median	$3.43	$3.21	$3.89	$4.25	$4.87	$3.48	$6.57	$5.74	$7.62	$8.62

Fiscal years are lined up as each company's 10-K names them; the month next to a ticker is when its year ends. Hover a number for the XBRL line items and the filing; click it to open the filing on sec.gov. "n/m" means not meaningful: equity below zero, or a base so close to zero that the ratio says nothing. The peer median leaves out ACGL and needs at least three peers with the number. P/E, P/S and P/FCF at each year end appear here once the site has daily prices. What the same companies write about AI, tariffs and more →

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