Overview
ARCH CAPITAL GROUP LTD.
Latest 10-K: FY2025, filed Feb 26, 2026 · Open the 10-K (Inline XBRL) ↗
- Revenue
- $19.93B
- 14.3%YoYup from FY2024
- TotalRevenue
- Gross profit
- Not reported
- Net income
- $4.40B
- 2.0%YoYup from FY2024
- NetIncome
- Diluted EPS
- $11.60
- 3.7%YoYup from FY2024
- EPSDiluted
- Diluted shares
- 375.9M
- 1.5%YoYdown from FY2024
- WeightedAvgSharesDiluted
At a glance
Growth
- ARCH CAPITAL GROUP LTD. reported revenue of $19.93B for fiscal 2025, up 14.3% from fiscal 2024.
- Revenue grew faster than the median S&P 500 member in 3 of the last 5 fiscal years.
Profitability
- Net margin was 22.1%, against a median of 12.8% across S&P 500 members for the same fiscal year.
Per share
- Diluted EPS was $11.60, up 3.7% from the prior year.
Written from the filed figures on this page by fixed rules — no AI.
Data as of Oct 24, 2026 · Sources: SEC EDGAR 10-K
Financial statements
Annual figures from the 10-K, most recent fiscal year first.
Income Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $19.93B14.3%up S&P 500 6.4% | $17.44B27.9%up S&P 500 4.5% | $13.63B41.8%up S&P 500 4.8% | $9.61B3.9%up S&P 500 10.3% | $9.25B8.7%up S&P 500 13.8% | 21.2% S&P 500 6.6% |
| Gross Profit Median of 315 / 498 | — | — | — | — | — | — S&P 500 6.2% |
| Operating Income Median of 373 / 498 | — | — | — | — | — | — S&P 500 7.2% |
| Net Income | $4.40B2.0%up S&P 500 4.8% | $4.31B2.9%down S&P 500 5.7% | $4.44B201.0%up S&P 500 1.9% | $1.48B31.6%down S&P 500 1.3% | $2.16B53.5%up S&P 500 33.9% | 19.5% S&P 500 4.1% |
| EPS (Diluted) | $11.603.7%up S&P 500 6.2% | $11.193.7%down S&P 500 7.9% | $11.62205.8%up S&P 500 1.9% | $3.8027.3%down S&P 500 1.5% | $5.2357.5%up S&P 500 34.8% | 22.0% S&P 500 5.6% |
Balance Sheet
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Total Assets | $79.24B11.8%up S&P 500 5.6% | $70.91B20.4%up S&P 500 3.4% | $58.91B22.7%up S&P 500 4.1% | $47.99B6.4%up S&P 500 2.2% | $45.10B4.2%up S&P 500 6.7% | 15.1% S&P 500 4.7% |
| Total Liabilities Median of 357 / 498 | $55.03B9.9%up S&P 500 6.4% | $50.09B23.5%up S&P 500 1.9% | $40.55B15.6%up S&P 500 2.9% | $35.07B11.2%up S&P 500 2.0% | $31.55B7.7%up S&P 500 5.2% | 14.9% S&P 500 4.4% |
| Stockholders' Equity | $24.21B16.3%up S&P 500 6.8% | $20.82B13.4%up S&P 500 5.4% | $18.35B42.2%up S&P 500 7.3% | $12.91B4.7%down S&P 500 2.5% | $13.55B2.7%down S&P 500 9.0% | 15.6% S&P 500 6.1% |
| Cash & Equivalents | $993.00M1.4%up S&P 500 5.2% | $979.00M6.8%up S&P 500 1.9% | $917.00M7.3%up S&P 500 6.7% | $855.00M0.5%down S&P 500 -8.6% | $859.00M5.2%down S&P 500 -2.9% | 3.7% S&P 500 2.0% |
| Total Debt Median of 393 / 498 | — | — | — | — | — | — S&P 500 3.7% |
Cash Flow Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.17B7.5%down S&P 500 6.3% | $6.67B16.1%up S&P 500 4.8% | $5.75B50.7%up S&P 500 9.9% | $3.82B11.4%up S&P 500 -0.7% | $3.42B18.7%up S&P 500 10.7% | 15.9% S&P 500 7.0% |
| Capital Expenditures | $44.00M13.7%down S&P 500 5.4% | $51.00M1.9%down S&P 500 2.8% | $52.00M4.0%up S&P 500 11.3% | $50.00M22.0%up S&P 500 14.0% | $41.00M2.8%up S&P 500 8.1% | 1.8% S&P 500 9.0% |
| Free Cash Flow Median of 378 / 498 | $6.13B7.5%down S&P 500 7.3% | $6.62B16.2%up S&P 500 6.1% | $5.70B51.3%up S&P 500 8.8% | $3.77B11.3%up S&P 500 -11.3% | $3.38B18.9%up S&P 500 10.2% | 16.0% S&P 500 4.9% |
n/m: not meaningful — the base (the prior year, or the first year for the CAGR) was zero or negative, or a per-share figure’s share basis changed (stock split). “—” means the figure is not available.
S&P 500 median = median of the companies in the index on Dec 31 of each fiscal year, from their own 10-K filings; a change counts only companies whose prior year was positive. Each median uses every member that reports the line item; where fewer than 80% do (banks and insurers file no gross profit), the row names how many. Published where at least 250 companies report it. Updated 2026-10-20. This compares reported figures, not share-price returns. Methodology
Ratios & valuation
FY2025Every ratio read two ways: Wall Street’s popular formula and the value investor’s stricter one. Same question, same unit. Pick a ratio.
Valuation · Earnings yield
What a dollar of market value earned
12.1%
Wall Street
on net earnings
FY2024 12.1%
17.0%
Value investor
on free cash flow
FY2024 18.8%
Gap +4.9 pts: Value-investor figure 4.9 points higher
How it’s calculated
Wall Street · on net earnings
Diluted EPS ÷ fiscal-year-end share price (1 ÷ P/E)
pe_ratio (ratio table)
P/E 8.3×Value investor · on free cash flow
(Operating cash flow − capital expenditures) ÷ market capitalisation (fiscal-year-end close × weighted-average diluted shares)
free cash flow ÷ market cap
Valuation · Book yield
Net assets behind a dollar of market value
67.1%
Wall Street
on book equity
FY2024 59.0%
65.5%
Value investor
on tangible book
FY2024 57.4%
Gap −1.6 pts: Value-investor figure 1.6 points lower
How it’s calculated
Wall Street · on book equity
Book value of equity ÷ market capitalisation (1 ÷ P/B)
pb_ratio (ratio table)
P/B 1.5×Value investor · on tangible book
Tangible book value (equity less goodwill and intangibles) ÷ market capitalisation
tangible_book_value_per_share ÷ (pb_ratio × book_value_per_share)
Quality · Return on capital
Profit earned on the money in the business
19.5%
Wall Street
ROE: net income ÷ equity
FY2024 22.0%
— Not reported
Value investor
ROIC: after-tax operating profit ÷ invested capital
FY2024 — Not reported
How it’s calculated
Wall Street · ROE: net income ÷ equity
Net income ÷ average stockholders' equity (start and end of year), including noncontrolling interests. Buybacks shrink equity and lift it.
return_on_equity (ratio table)
Value investor · ROIC: after-tax operating profit ÷ invested capital
Operating profit after tax ÷ invested capital (total assets − cash − non-interest-bearing current liabilities), so leverage cannot flatter it
roic (ratio table)
Quality · Cash margin
Cash profit kept from each dollar of sales
— Not reported
Wall Street
EBITDA margin
FY2024 — Not reported
30.7%
Value investor
Free-cash-flow margin
FY2024 38.0%
How it’s calculated
Wall Street · EBITDA margin
EBITDA ÷ revenue
ebitda ÷ revenue
Value investor · Free-cash-flow margin
(Operating cash flow − capital expenditures) ÷ revenue: taxes, interest, working capital and capex all paid
free cash flow ÷ revenue
Each ratio measures one thing two ways, in the same unit: the popular formula, then a stricter one, so a lower figure is the stricter reading. Gap = value-investor figure minus Wall Street figure, from the figures shown.
Price-based ratios use the fiscal-year-end closing price. Free cash flow = operating cash flow − capital expenditures (we compute it; filings rarely report it). n/m = not meaningful (denominator ≤ 0); “—” = not reported. Each ratio’s formulas are under “How it’s calculated”.
Smart money
Showing the most recent 5 annual periods. Get longer history on the Pro plan, or the full history (1993–present) plus the smart-money dataset and webhooks on Institutional.
Peers, filings & research
Research Reports
No published research on ACGL yet.
Reports appear here as analysts publish research on this company — built with Valuein's agentic workflows on data pinned to its SEC filing. Be the first: run equity_research_brief on ACGL and publish the result to your public profile.
Cite this page
Data as of Oct 24, 2026. Canonical address: https://valuein.biz/data/ACGL
Valuein. (2026, October 24). ARCH CAPITAL GROUP LTD. (ACGL) financial statements, earnings power and smart-money summary [Data set]. Source: SEC EDGAR filings. https://valuein.biz/data/ACGL
@misc{valuein_acgl_2026,
author = {{Valuein}},
title = {ARCH CAPITAL GROUP LTD. (ACGL) financial statements, earnings power and smart-money summary},
year = {2026},
howpublished = {\url{https://valuein.biz/data/ACGL}},
note = {Data as of 2026-10-24; source: SEC EDGAR filings}
}10-K filed Feb 26, 2026 · accession 0000947484-26-000017
Agents: every figure Valuein's tools return carries a fact_id that traces to its SEC filing.
point-in-time · survivorship-free · every number traceable to its SEC filing