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Financials · ACGL

Arch Capital Group Ltd. (ACGL) financials

For the twelve months ended Sep 30, 2026, Arch Capital Group Ltd. reported $18.78B of revenue and $4.38B of net income.

Revenue, TTM
$18.78B
Revenue growth, YoY
-3.9%
Net income, TTM
$4.38B
Net income growth, YoY
+6.9%
Net margin
23.3%
Free cash flow, TTM
$5.63B
EPS, diluted, TTM
$12.21
EPS growth, YoY
+14.3%
Cash
$1.15B
P/E
7.98
P/S
1.86
Market cap
$34.92B
Annual revenue$19.93B
FY2016FY2025
Annual net income$4.40B
FY2016FY2025
Annual free cash flow$6.13B
FY2016FY2025

ACGL revenue and earnings growth

ACGL revenueQ3 2026$4.66B

Quarter YoY
-8.9%
QoQ
-0.3%
FY YoY
+14.3%
5Y CAGR
+18.6%
10Y CAGR
+17.6%

ACGL revenue was $4.66B in fiscal Q3 2026 (ended Sep 30, 2026), down 8.9% from a year earlier and down 0.3% from the prior quarter. For the full fiscal 2025 it was $19.93B, up 14.3% from fiscal 2024. Compound annual growth was +18.6% over 5 years and +17.6% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

ACGL net incomeQ3 2026$1.03B

Quarter YoY
-23.3%
QoQ
-2.1%
FY YoY
+2.0%
5Y CAGR
+25.6%
10Y CAGR
+23.4%

ACGL net income was $1.03B in fiscal Q3 2026 (ended Sep 30, 2026), down 23.3% from a year earlier and down 2.1% from the prior quarter. For the full fiscal 2025 it was $4.40B, up 2.0% from fiscal 2024. Compound annual growth was +25.6% over 5 years and +23.4% over 10 years. It rose in 6 of the last 10 fiscal years.

ACGL EPSQ3 2026$3.00

Quarter YoY
-15.7%
QoQ
+0.0%
FY YoY
+3.7%
5Y CAGR
+28.4%
10Y CAGR
+23.9%

ACGL diluted EPS was $3.00 in fiscal Q3 2026 (ended Sep 30, 2026), down 15.7% from a year earlier and up 0.0% from the prior quarter. For the full fiscal 2025 it was $11.60, up 3.7% from fiscal 2024. Compound annual growth was +28.4% over 5 years and +23.9% over 10 years.

ACGL free cash flowQ3 2026$1.75B

Quarter YoY
-19.6%
QoQ
+33.6%
FY YoY
-7.5%
5Y CAGR
+16.6%
10Y CAGR
+20.1%

ACGL free cash flow was $1.75B in fiscal Q3 2026 (ended Sep 30, 2026), down 19.6% from a year earlier and up 33.6% from the prior quarter. For the full fiscal 2025 it was $6.13B, down 7.5% from fiscal 2024. Compound annual growth was +16.6% over 5 years and +20.1% over 10 years. It rose in 8 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$19.93B$17.44B$13.63B$9.61B$9.25B$8.51B$6.93B$5.45B$5.63B$4.46B
Selling, general and admin$132.00M$200.00M$102.00M$95.00M$78.00M$81.99M$80.11M$78.99M$83.75M$81.75M
Interest expense$148.00M$141.00M$133.00M$131.00M$139.00M$143.46M$120.87M$120.48M$117.43M$66.25M
Pre-tax income$5.16B$4.67B$3.57B$1.56B$2.37B$1.58B$1.85B$841.77M$757.28M$855.55M
Income tax$760.00M$362.00M-$873.00M$80.00M$128.00M$111.84M$155.81M$113.95M$127.57M$31.37M
Net income$4.40B$4.31B$4.44B$1.48B$2.16B$1.41B$1.64B$757.97M$619.28M$692.74M
EPS, basic$11.83$11.47$11.94$3.90$5.35$3.38$3.97$1.76$1.40$1.83
EPS, diluted$11.60$11.19$11.62$3.80$5.23$3.32$3.87$1.73$1.36$1.78
Diluted shares375.9M381.8M378.8M377.6M400.3M410.3M411.6M412.9M417.8M374.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$993.00M$1.76B$917.00M$1.27B$1.31B$1.29B$903.70M$724.64M$727.28M$969.57M
Goodwill$607.00M$571.00M$345.00M$342.00M$345.00M$314.63M$326.55M$249.62M$198.24M$204.02M
Total assets$79.24B$70.91B$58.91B$47.99B$45.10B$43.28B$37.89B$32.22B$32.05B$29.37B
Total liabilities$55.03B$50.09B$40.55B$35.07B$31.55B$29.29B$25.57B$21.78B$21.81B$20.06B
Shareholders' equity$24.21B$20.82B$18.35B$12.91B$13.55B$13.11B$11.50B$9.44B$9.20B$8.25B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$6.17B$6.67B$5.75B$3.82B$3.42B$2.89B$2.05B$1.56B$1.09B$1.38B
Capital expenditures$44.00M$51.00M$52.00M$50.00M$41.00M$39.87M$37.84M$29.81M$22.84M$15.30M
Free cash flow$6.13B$6.62B$5.70B$3.77B$3.38B$2.85B$2.01B$1.53B$1.07B$1.36B
Investing cash flow-$4.04B-$4.46B-$5.47B-$3.10B-$2.14B-$3.04B-$1.81B-$554.02M-$1.35B-$2.70B
Financing cash flow-$1.89B-$1.93B-$69.00M-$706.00M-$1.23B$521.28M-$80.66M-$988.81M-$3.40M$1.64B
Share repurchases$1.89B$24.00M$0$586.00M$1.23B$83.47M$2.87M$282.76M$0$75.26M
Stock-based compensation$148.00M$133.00M$93.00M$88.00M$88.00M$71.26M$66.42M$55.78M$67.80M$56.58M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY14.3%27.9%41.8%3.9%8.7%22.8%27.1%-3.1%26.1%13.4%
Net income growth, YoY2.0%-2.9%201.0%-31.6%53.5%-14.1%115.9%22.4%-10.6%28.8%
EPS growth, YoY3.7%-3.7%205.8%-27.3%57.5%-14.2%123.7%27.2%-23.6%30.6%
Net margin22.1%24.7%32.6%15.4%23.3%16.5%23.6%13.9%11.0%15.5%
Free cash flow margin30.7%38.0%41.8%39.2%36.6%33.5%29.0%28.1%19.1%30.5%
Return on equity18.2%20.7%24.2%11.4%15.9%10.7%14.2%8.0%6.7%8.4%
Return on assets5.6%6.1%7.5%3.1%4.8%3.2%4.3%2.4%1.9%2.4%

Source: XBRL data Arch Capital Group Ltd. files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 3-for-1, first reported Aug 5, 2011; 3-for-1, first reported Aug 8, 2018.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ACGL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ACGL$18.78B-3.9%$4.38B23.3%$34.92B
CB$61.85B+5.7%$11.23B18.2%$139.46B
PGR$91.73B+7.7%$11.62B12.7%$131.96B
TRV$48.92B+1.1%$8.33B17.0%$80.99B
ALL$70.23B+5.1%$11.61B16.5%$63.05B
AIG$27.73B+1.2%$3.29B11.9%$40.31B
HIG$29.87B+9.2%$4.61B15.4%$35.83B
CINF$13.28B+9.9%$2.66B20.1%$28.47B
WRB$14.87B+1.5%$1.86B12.5%$27.95B

ACGL FAQ

8 questions
  • What is ACGL revenue?
    Arch Capital Group Ltd. (ACGL) reported $18.78B of revenue for the twelve months ended Sep 30, 2026. That is down 3.9% from the year before. Revenue for fiscal 2025 was $19.93B.
  • Is ACGL profitable?
    Yes. Arch Capital Group Ltd. earned $4.38B in net income for the twelve months ended Sep 30, 2026, a net margin of 23.3%.
  • How much cash and debt does ACGL have?
    Arch Capital Group Ltd. reported $1.15B in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is ACGL revenue growing?
    Arch Capital Group Ltd.'s revenue changed +14.3% in fiscal 2025, to $19.93B. Its compound annual growth rate was +18.6% over 5 years and +17.6% over 10 years.
  • What is ACGL free cash flow?
    Arch Capital Group Ltd. generated $5.63B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $5.67B less capital expenditures.
  • What is ACGL earnings per share?
    Diluted earnings per share were $12.21 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ACGL last report financial results?
    The latest statements here come from Arch Capital Group Ltd.'s 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this ACGL financial data come from?
    Quantisnow builds these statements from the structured XBRL data Arch Capital Group Ltd. files with the SEC. It is provided for information only and is not investment advice.