95.87 USD
+0.71 (+0.75%)
Taking everything into account, ACGL scores 4 out of 10 in our fundamental rating. ACGL was compared to 148 industry peers in the Insurance industry. ACGL has an average financial health and profitability rating. ACGL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year ACGL was profitable.
ACGL had a positive operating cash flow in the past year.
ACGL had positive earnings in each of the past 5 years.
Each year in the past 5 years ACGL had a positive operating cash flow.
1.2 Ratios
ACGL's Return On Assets of 5.12% is amongst the best of the industry. ACGL outperforms 83.11% of its industry peers.
ACGL's Return On Equity of 17.10% is fine compared to the rest of the industry. ACGL outperforms 77.70% of its industry peers.
ACGL has a better Return On Invested Capital (4.08%) than 66.89% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ACGL is significantly below the industry average of 14.93%.
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 Rank | Sector 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%
1.3 Margins
ACGL has a Profit Margin of 21.42%. This is amongst the best in the industry. ACGL outperforms 89.86% 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 75.68% of the companies in the same industry.
In the last couple of years the Operating Margin of ACGL has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ACGL is destroying value.
The number of shares outstanding for ACGL has been increased compared to 1 year ago.
The number of shares outstanding for ACGL has been reduced compared to 5 years ago.
Compared to 1 year ago, ACGL has an improved debt to assets ratio.
2.2 Solvency
ACGL has a debt to FCF ratio of 0.43. This is a very positive value and a sign of high solvency as it would only need 0.43 years to pay back of all of its debts.
ACGL has a better Debt to FCF ratio (0.43) than 84.46% of its industry peers.
ACGL has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
ACGL has a better Debt to Equity ratio (0.12) than 74.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.43 | ||
| Altman-Z | N/A |
ROIC/WACC0.48
WACC8.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACGL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.68%.
Measured over the past years, ACGL shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.96% on average per year.
Looking at the last year, ACGL shows a quite strong growth in Revenue. The Revenue has grown by 17.15% in the last year.
The Revenue has been growing by 19.89% on average over the past years. This is quite good.
EPS 1Y (TTM)-3.68%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%39.2%
Revenue 1Y (TTM)17.15%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%-2.05%
3.2 Future
The Earnings Per Share is expected to grow by 3.32% on average over the next years.
The Revenue is expected to grow by 4.90% on average over the next years.
EPS Next Y0.77%
EPS Next 2Y1.11%
EPS Next 3Y3.32%
EPS Next 5YN/A
Revenue Next Year7.73%
Revenue Next 2Y5.21%
Revenue Next 3Y4.9%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.48, 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 62.16% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.92. ACGL is valued rather cheaply when compared to this.
ACGL is valuated reasonably with a Price/Forward Earnings ratio of 10.12.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACGL is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of ACGL to the average of the S&P500 Index (23.57), we can say ACGL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 10.12 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACGL is on the same level as its industry peers.
ACGL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ACGL is cheaper than 70.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.52 | ||
| EV/EBITDA | 8.38 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
ACGL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)13.63
PEG (5Y)0.39
EPS Next 2Y1.11%
EPS Next 3Y3.32%
5. Dividend
5.1 Amount
ACGL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:ACGL (1/8/2026, 11:25:01 AM)
95.87
+0.71 (+0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners93.88%
Inst Owner Change0%
Ins Owners3.18%
Ins Owner Change-0.38%
Market Cap34.77B
Revenue(TTM)18.93B
Net Income(TTM)4.06B
Analysts75.38
Price Target109.14 (13.84%)
Short Float %1.78%
Short Ratio2.69
Dividend
| Industry Rank | Sector 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)-0.16%
PT rev (3m)-1.11%
EPS NQ rev (1m)1.72%
EPS NQ rev (3m)3.82%
EPS NY rev (1m)0.09%
EPS NY rev (3m)13.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.99%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 10.12 | ||
| P/S | 1.84 | ||
| P/FCF | 5.52 | ||
| P/OCF | 5.48 | ||
| P/B | 1.47 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | 8.38 |
EPS(TTM)9.15
EY9.54%
EPS(NY)9.48
Fwd EY9.88%
FCF(TTM)17.36
FCFY18.11%
OCF(TTM)17.49
OCFY18.24%
SpS52.21
BVpS65.41
TBVpS61.91
PEG (NY)13.63
PEG (5Y)0.39
Graham Number116.04
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.44%
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)-3.68%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%39.2%
EPS Next Y0.77%
EPS Next 2Y1.11%
EPS Next 3Y3.32%
EPS Next 5YN/A
Revenue 1Y (TTM)17.15%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%-2.05%
Revenue Next Year7.73%
Revenue Next 2Y5.21%
Revenue Next 3Y4.9%
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 5 / 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 10.48 and the Price/Book (PB) ratio is 1.47.
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 grow by 0.77% in the next year.