Arch Capital Group Ltd is a Bermuda company that writes insurance and reinsurance with operations in the United States, Canada, Europe, Australia, and the United Kingdom. The business operates through three underwriting segments: insurance, reinsurance, and mortgage.
It is a $32.6B financial services company. Revenue grew 0.4% over the last year, and it keeps 24¢ of every dollar of sales as profit. It trades at 7.0× earnings — in the cheapest third of its own history.
- Website
- archgroup.com
- Location
- Pembroke, D0
- Employees
- 8 000
- Sector
- Financial Services
- Founded
- 2000
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation, growth, profitability and quality; Health lags behind.
Valuation100
- P/E vs own history13th pct · 25/25
- FCF yield18.6% · 25/25
- P/S1.8x · 25/25
- EV/EBITDA7.8x · 25/25
Growth75
- Revenue CAGR21.2% · 25/25
- Net income CAGR20.4% · 25/25
- EPS CAGR ~5Y27.8% · 25/25
- Fwd implied growth-29.2% · 0/25
Profitability85
- ROIC17.3% · 20/25
- ROE19.5% · 20/25
- Net margin24.4% · 25/25
- Operating margin23.9% · 20/25
Health47
- Altman Z0.68 · 3/25
- Current ratio0.72 · 6/25
- Interest coverage6.3x · 18/25
- Net cash / debtD/A 2% · 20/25
Quality80
- Piotroski F6/9 · 15/25
- Beneish M-2.42 · 20/25
- FCF conversion129% · 25/25
- Margin stabilityσ 7.6% · 20/25
Moat63
- ROIC >12% years5/10 yrs · 13/25
- Median gross marginn/a · 0/25
- FCF-positive years9/9 yrs · 25/25
- Worst-year net marginworst 11.0% · 25/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2023FinancialRevenue crossed $10B$13.6B for the year
- FY2023FinancialBest year on record$4.44B net income
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $1B$4.46B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2015AcquisitionArch Capital entered the mortgage insurance business in 2015 with the formation of Arch Mortgage Guaranty and, in…
- Sep 11, 2001ProductFollowing the event of September 11, 2001, Arch Capital launched an underwriting initiative to address the global…
- 2000FoundedThe company was founded in May 2000 by Robert Clements and Peter A
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strongly profitable — 24.4% net margin
- Strong cash conversion — FCF is 31.5% of revenue
- Could repay net debt from ~0.5 years of free cash flow
- Interest covered 6.3× by operating earnings
- High returns on invested capital (ROIC 17.3%)
Watch-outs
- Altman Z-Score 0.68 — elevated financial-distress risk
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+0.4% YoY
- Profitable — makes more than it spends$4.69B TTM
- Profit growing — earnings are higher than last year+44.1% YoY
- Generates cash — cash left after running and investing$6.05B TTM
- Debt under control — could handle its obligations~0.3y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$32.6B market cap
- Not printing shares — share count not ballooning — you keep your slice-8.4% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.7 — distress
- Pays a dividend — returns cash to shareholdersyield 0.14%
- Valuation not extreme — price not wildly above earningsP/E 7.0
Peer comparisonArch Capital Group Ltd vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| ACGL this company | $32.6B | 7.0 | +0.4% | 24.4% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: ACGL vs BRK.A · ACGL vs BRK.B · ACGL vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/ACGL
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of ACGL on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $95.57 · market cap $32.6B.