ACGL

Arch Capital Group Ltd.

Fundamental data last updated:May 15, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Diversified

Exchange

NASDAQ

County of HQ

BM

Next Earnings Date

07/28/2026

Business Summary

Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products worldwide. The company's Insurance segment offers primary and excess casualty coverages; loss sensitive primary casualty insurance programs; collateral protection, debt cancellation, and service contract reimbursement products; directors' and officers' liability, errors and omissions liability, employment practices and fiduciary liability, crime, professional indemnity, and other financial related coverages; medical professional and general liability insurance coverages; and workers' compensation and umbrella liability, as well as commercial automobile and inland marine products. It also provides property, energy, marine, and aviation insurance; travel insurance; accident, disability, and medical plan insurance coverages; captive insurance programs; employer's liability; and contract and commercial surety coverages. This segment markets its products through a group of licensed independent retail and wholesale brokers. Its Reinsurance segment provides casualty reinsurance for third party liability and workers' compensation exposures; marine and aviation; surety, accident and health, workers' compensation catastrophe, agriculture, trade credit, and political risk products; reinsurance protection for catastrophic losses, and personal lines and commercial property exposures; life reinsurance; casualty clash; and risk management solutions. This segment markets its reinsurance products through brokers. The company's Mortgage segment offers direct mortgage insurance and mortgage reinsurance. The company was incorporated in 1995 and is based in Pembroke, Bermuda.

 


Analyze ACGL on TradingView

VALUATION

P/E

6.94

Market Cap ($M USD)

$32.85B

Forward P/E

8.79

PEG

-0.42

PRICE TO SALES

1.67

PRICE TO BOOK

1.40

EV / EBITDA

5.98

5-Year Average P/E

Free Cash Flow Yield

17.83%

DCF Value

$419.51

Graham Number

$143.16

Price to FCF

5.61

EV to FCF

5.92

Earnings Yield

14.40%

FCF Yield

17.83%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.96%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$13.54

Next Year EPS Growth Estimate

$10.70

Next Year Revenue Growth Estimate

$1.86T

Return on Equity (ROE)

20.48%

FREE CASH FLOW

Operating Margin

27.65%

Debt-to-Equity

0.11

Piotroski F-Score

8

Altman Z-Score

1.05

Return on Invested Capital (ROIC)

17.95%

Current Ratio

0.68

Quick Ratio

0.68

Net Debt to EBITDA

0.31

Interest Coverage

36.31

Gross Profit margin

42.83%

FCF PER SHARE

$16.29

REVENUE PER SHARE

$54.76

Analyze ACGL on TradingView

Gainseekers Quantitative Analysis

Summary

ACGL’s valuation is a paradox. Despite a DCF value that towers over its recent pricing, the market seems to be pricing it with skepticism, as evidenced by a low Forward P/E of 8.76 and a compelling Earnings Yield of 14.44%. The Altman Z-score of 1.06 raises eyebrows, hinting at potential financial distress, yet the robust ROIC of 17.95% suggests efficient capital deployment. This juxtaposition of metrics paints a picture of a company undervalued by the market but not without its risks.

AI Exposure / Tech Reliance

Operating in the insurance industry, ACGL is well-positioned to leverage AI for risk assessment and underwriting efficiencies. The sector's data-driven nature aligns seamlessly with technological advancements, offering opportunities for enhanced predictive analytics. However, the traditional nature of insurance may slow rapid tech adoption.

The Bull Case

For the discerning value investor, ACGL offers a tantalizing proposition. With a Piotroski F-Score of 8, the company demonstrates strong financial health and operational efficiency. Its ROIC of 17.95% and FCF Yield of 17.88% underscore its ability to generate substantial returns on invested capital, while an operating margin of 27.65% highlights its pricing power. These metrics suggest a company that excels in capital efficiency and profitability, making it an attractive buy for those seeking growth at a reasonable price.

The Bear Case

Yet, not all is rosy for ACGL. The Altman Z-score of 1.06 is a glaring red flag, suggesting potential financial instability. While the Price/Book ratio of 1.39 might seem reasonable, the stock's proximity to its 52-week high raises concerns of technical overextension. Additionally, a Current Ratio of 0.68 indicates potential liquidity issues, which could pose risks if market conditions shift unfavorably.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$104.00

Institutional Ownership %

1-Year Beta

0.33

Insider Buying % (6 Mo)

Distance to 52-Week High

9.95%

Distance to 52-Week Low

12.32%

EARNINGS SURPRISE %

0.81%

50-DAY SMA

$95.42

200-DAY SMA

$93.14

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.