Arch Capital Group Ltd.
ACGL · Price history
Price at last available close
$100.34
+$5.44 (+5.73%) 1M
2026-10-27
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Company & revenue
About Arch Capital Group Ltd.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia. The company operates through three segments: Insurance, Reinsurance, and Mortgage. The Insurance segment offers commercial automobile; commercial multiperil; financial and professional line liability; admitted, excess, and surplus casualty lines; property and short-tail specialty; workers compensation; and casualty insurance.
How they make money
Arch Capital Group Ltd. generates revenue primarily through the collection of insurance premiums and reinsurance premiums, as well as through net investment income earned on its investment portfolio. The company assumes risk in exchange for these premiums and manages its underwriting profitability by balancing risk exposure across its insurance, reinsurance, and mortgage segments while investing the collected float in fixed-income securities and other assets.
Products & services
The company provides insurance, reinsurance, and mortgage insurance products on a worldwide basis, including property, casualty, professional liability, and specialty lines of coverage.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 57.1% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
62
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
80
Strong
Financial Strength
86
Business Quality / Moat
89
Management
100
Growth Quality
15
Risk / Durability
91
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
69
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
66/100
Building Historical Record
Model Score 66/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for ACGL
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving ACGL's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is ACGL's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is ACGL's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is ACGL's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of ACGL's score?
Essential Investment Snapshot
Wall Street Score
62
Opportunity Score
69
Market Cap
$34.24B
P/E Ratio
7.9
EPS
$12.96
52-Week High
$107.09
52-Week Low
$82.45
Beta
0.26
Intrinsic Value
$498.96
Analyst Target
$112.50
Shares Outstanding
376.1M
Total Revenue
$19.20B
Total Debt
$4.29B
Dividend
No current dividend
Liquidation Value / Share
$63.89
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for ACGL
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on ACGL.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Diversified underwriting platform across insurance, reinsurance, and mortgage segments.
- +Strong capital position with approximately $26.9 billion in capital as of December 31, 2025.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Diversified industry.
- −Exposure to catastrophic events and unpredictable loss trends.
- −Regulatory and legal risks, including compliance with evolving AI regulations.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
62
Oct 1, 2026
Change
Unchanged
Current Score
62
Oct 26, 2026
Category Changes
ACGL score was unchanged.
Negative Contributors
- − Capital declined by 2 points
Projected Score
Projected Score
60
Projected Change
-2.0 points
Preliminary comparable-period financial changes suggest decline of approximately 2.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
For insurers, earnings can vary sharply with claims and investment gains. Review normalized earnings and book value before relying on this growth-based estimate.
Stored EPS: $12.96 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$100.34
Model Intrinsic Value
$498.96
Difference
−$398.62
-79.9% vs IV
Margin of Safety
79.9%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.20B | $19.93B | $17.44B | $13.29B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $10.33B | $12.52B | $10.99B | $8.56B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $8.87B | $7.41B | $6.45B | $4.74B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | -$79.0M | $0.00 | $1.67B | $102.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $3.61B | $2.43B | $1.97B | $1.63B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $5.60B | $5.35B | $4.85B | $3.61B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $5.26B | $4.98B | $4.47B | $3.11B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $156.0M | $148.0M | $141.0M | $133.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $5.38B | $5.16B | $4.67B | $3.57B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $687.0M | $760.0M | $362.0M | -$873.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $4.69B | $4.40B | $4.31B | $4.44B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $12.96 | $11.84 | $11.47 | $11.94 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 343M | 369M | 373M | 369M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 349M | 376M | 382M | 379M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$4.47B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$3.00
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+57.1%
Cash Change
+12.8%
Margin Change
-1.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
What Weakened
- Margins contracted
- Debt increased
Potential Score Impact
Positive indicators included cash levels. Pressure indicators included revenue growth, EPS growth, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 10.1%. EPS declined 7.1%. Cash increased 12.8%. Total debt increased 57.1%. Net income margin declined by 1.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
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Rumor Mill · ACGL
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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