ARCH CAPITAL GROUP LTD (ACGL) Stock Fundamental Analysis

NASDAQ:ACGL • BMG0450A1053

99.85 USD
+1.24 (+1.26%)
At close: Feb 12, 2026
99.85 USD
0 (0%)
After Hours: 2/12/2026, 8:26:57 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall ACGL gets a fundamental rating of 4 out of 10. We evaluated ACGL against 149 industry peers in the Insurance industry. ACGL has a medium profitability rating, but doesn't score so well on its financial health evaluation. ACGL has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • ACGL had positive earnings in the past year.
  • In the past year ACGL had a positive cash flow from operations.
  • ACGL had positive earnings in 4 of the past 5 years.
  • ACGL had a positive operating cash flow in 4 of the past 5 years.
ACGL Yearly Net Income VS EBIT VS OCF VS FCFACGL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

  • ACGL's Return On Assets of 5.12% is amongst the best of the industry. ACGL outperforms 83.22% of its industry peers.
  • With a decent Return On Equity value of 17.10%, ACGL is doing good in the industry, outperforming 77.85% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 4.08%, ACGL is in the better half of the industry, outperforming 67.79% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for ACGL is significantly below the industry average of 14.88%.
  • The last Return On Invested Capital (4.08%) for ACGL is above the 3 year average (3.89%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.12%
ROE 17.1%
ROIC 4.08%
ROA(3y)5.5%
ROA(5y)4.86%
ROE(3y)18.54%
ROE(5y)16.3%
ROIC(3y)3.89%
ROIC(5y)3.58%
ACGL Yearly ROA, ROE, ROICACGL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • ACGL has a Profit Margin of 21.42%. This is amongst the best in the industry. ACGL outperforms 89.26% of its industry peers.
  • In the last couple of years the Profit Margin of ACGL has grown nicely.
  • Looking at the Operating Margin, with a value of 21.52%, ACGL is in the better half of the industry, outperforming 75.84% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ACGL has declined.
Industry RankSector Rank
OM 21.52%
PM (TTM) 21.42%
GM N/A
OM growth 3Y4.67%
OM growth 5Y-2.93%
PM growth 3Y2.45%
PM growth 5Y1.58%
GM growth 3YN/A
GM growth 5YN/A
ACGL Yearly Profit, Operating, Gross MarginsACGL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ACGL is destroying value.
  • There is no outstanding debt for ACGL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ACGL Yearly Shares OutstandingACGL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ACGL Yearly Total Debt VS Total AssetsACGL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of ACGL is 0.43, which is an excellent value as it means it would take ACGL, only 0.43 years of fcf income to pay off all of its debts.
  • ACGL has a Debt to FCF ratio of 0.43. This is amongst the best in the industry. ACGL outperforms 84.56% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that ACGL is not too dependend on debt financing.
  • ACGL has a better Debt to Equity ratio (0.12) than 74.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.43
Altman-Z N/A
ROIC/WACC0.48
WACC8.46%
ACGL Yearly LT Debt VS Equity VS FCFACGL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ACGL Yearly Current Assets VS Current LiabilitesACGL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 6.47% over the past year.
  • Measured over the past years, ACGL shows a very strong growth in Earnings Per Share. The EPS has been growing by 48.87% on average per year.
EPS 1Y (TTM)6.47%
EPS 3Y26.64%
EPS 5Y48.87%
EPS Q2Q%31.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.45%

3.2 Future

  • Based on estimates for the next years, ACGL will show a small growth in Earnings Per Share. The EPS will grow by 2.32% on average per year.
  • The Revenue is expected to grow by 3.69% on average over the next years.
EPS Next Y-3.15%
EPS Next 2Y2.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.83%
Revenue Next 2Y3.69%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ACGL Yearly Revenue VS EstimatesACGL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
ACGL Yearly EPS VS EstimatesACGL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.12, which indicates a very decent valuation of ACGL.
  • Based on the Price/Earnings ratio, ACGL is valued a bit cheaper than the industry average as 61.74% of the companies are valued more expensively.
  • ACGL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
  • The Price/Forward Earnings ratio is 10.45, which indicates a very decent valuation of ACGL.
  • ACGL's Price/Forward Earnings is on the same level as the industry average.
  • ACGL is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.12
Fwd PE 10.45
ACGL Price Earnings VS Forward Price EarningsACGL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as ACGL.
  • 67.11% of the companies in the same industry are more expensive than ACGL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.75
EV/EBITDA 8.77
ACGL Per share dataACGL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • ACGL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y2.32%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • ACGL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ARCH CAPITAL GROUP LTD

NASDAQ:ACGL (2/12/2026, 8:26:57 PM)

After market: 99.85 0 (0%)

99.85

+1.24 (+1.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09
Earnings (Next)04-27
Inst Owners93.88%
Inst Owner Change-3.27%
Ins Owners3.18%
Ins Owner Change-0.4%
Market Cap36.21B
Revenue(TTM)N/A
Net Income(TTM)4.06B
Analysts74.81
Price Target109.59 (9.75%)
Short Float %1.65%
Short Ratio2.62
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend5.08
Dividend Growth(5Y)118.11%
DP47.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.88%
Min EPS beat(2)9.27%
Max EPS beat(2)20.5%
EPS beat(4)4
Avg EPS beat(4)16.34%
Min EPS beat(4)9.27%
Max EPS beat(4)21.52%
EPS beat(8)7
Avg EPS beat(8)14.25%
EPS beat(12)11
Avg EPS beat(12)20.65%
EPS beat(16)15
Avg EPS beat(16)22.34%
Revenue beat(2)0
Avg Revenue beat(2)-7.41%
Min Revenue beat(2)-12.59%
Max Revenue beat(2)-2.23%
Revenue beat(4)0
Avg Revenue beat(4)-6.28%
Min Revenue beat(4)-12.59%
Max Revenue beat(4)-2.23%
Revenue beat(8)3
Avg Revenue beat(8)-3.09%
Revenue beat(12)7
Avg Revenue beat(12)0.7%
Revenue beat(16)8
Avg Revenue beat(16)-1.26%
PT rev (1m)0.42%
PT rev (3m)-0.89%
EPS NQ rev (1m)9.34%
EPS NQ rev (3m)12.2%
EPS NY rev (1m)3.29%
EPS NY rev (3m)5.52%
Revenue NQ rev (1m)-1.97%
Revenue NQ rev (3m)-2.61%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-1.04%
Valuation
Industry RankSector Rank
PE 10.12
Fwd PE 10.45
P/S 1.91
P/FCF 5.75
P/OCF 5.71
P/B 1.53
P/tB 1.61
EV/EBITDA 8.77
EPS(TTM)9.87
EY9.88%
EPS(NY)9.56
Fwd EY9.57%
FCF(TTM)17.36
FCFY17.39%
OCF(TTM)17.49
OCFY17.51%
SpS52.21
BVpS65.41
TBVpS61.91
PEG (NY)N/A
PEG (5Y)0.21
Graham Number120.52
Profitability
Industry RankSector Rank
ROA 5.12%
ROE 17.1%
ROCE 5.17%
ROIC 4.08%
ROICexc 4.14%
ROICexgc 5.51%
OM 21.52%
PM (TTM) 21.42%
GM N/A
FCFM 33.25%
ROA(3y)5.5%
ROA(5y)4.86%
ROE(3y)18.54%
ROE(5y)16.3%
ROIC(3y)3.89%
ROIC(5y)3.58%
ROICexc(3y)3.95%
ROICexc(5y)3.65%
ROICexgc(3y)5.27%
ROICexgc(5y)4.8%
ROCE(3y)4.92%
ROCE(5y)4.54%
ROICexgc growth 3Y12.01%
ROICexgc growth 5Y3.19%
ROICexc growth 3Y11.28%
ROICexc growth 5Y2.52%
OM growth 3Y4.67%
OM growth 5Y-2.93%
PM growth 3Y2.45%
PM growth 5Y1.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.43
Debt/EBITDA 0.63
Cap/Depr 18.78%
Cap/Sales 0.24%
Interest Coverage 31.83
Cash Conversion 146.82%
Profit Quality 155.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.46%
ROIC/WACC0.48
Cap/Depr(3y)41.7%
Cap/Depr(5y)46.55%
Cap/Sales(3y)0.41%
Cap/Sales(5y)0.43%
Profit Quality(3y)182.15%
Profit Quality(5y)183.38%
High Growth Momentum
Growth
EPS 1Y (TTM)6.47%
EPS 3Y26.64%
EPS 5Y48.87%
EPS Q2Q%31.86%
EPS Next Y-3.15%
EPS Next 2Y2.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.45%
Revenue Next Year2.83%
Revenue Next 2Y3.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.05%
EBIT growth 3Y29.6%
EBIT growth 5Y16.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.52%
FCF growth 3Y25.05%
FCF growth 5Y26.92%
OCF growth 1Y25.18%
OCF growth 3Y24.87%
OCF growth 5Y26.64%

ARCH CAPITAL GROUP LTD / ACGL FAQ

What is the fundamental rating for ACGL stock?

ChartMill assigns a fundamental rating of 4 / 10 to ACGL.


Can you provide the valuation status for ARCH CAPITAL GROUP LTD?

ChartMill assigns a valuation rating of 6 / 10 to ARCH CAPITAL GROUP LTD (ACGL). This can be considered as Fairly Valued.


How profitable is ARCH CAPITAL GROUP LTD (ACGL) stock?

ARCH CAPITAL GROUP LTD (ACGL) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for ACGL stock?

The Price/Earnings (PE) ratio for ARCH CAPITAL GROUP LTD (ACGL) is 10.12 and the Price/Book (PB) ratio is 1.53.


What is the expected EPS growth for ARCH CAPITAL GROUP LTD (ACGL) stock?

The Earnings per Share (EPS) of ARCH CAPITAL GROUP LTD (ACGL) is expected to decline by -3.15% in the next year.