Logo image of ACGLO

ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) Stock Fundamental Analysis

NASDAQ:ACGLO - Nasdaq - US03939A1079 - Currency: USD

20.62  -0.11 (-0.53%)

Fundamental Rating

6

Overall ACGLO gets a fundamental rating of 6 out of 10. We evaluated ACGLO against 145 industry peers in the Insurance industry. ACGLO scores excellent on profitability, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on ACGLO. Finally ACGLO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

7

1. Profitability

1.1 Basic Checks

ACGLO had positive earnings in the past year.
In the past year ACGLO had a positive cash flow from operations.
In the past 5 years ACGLO has always been profitable.
ACGLO had a positive operating cash flow in each of the past 5 years.
ACGLO Yearly Net Income VS EBIT VS OCF VS FCFACGLO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

The Return On Assets of ACGLO (4.96%) is better than 86.90% of its industry peers.
With a decent Return On Equity value of 17.29%, ACGLO is doing good in the industry, outperforming 80.00% of the companies in the same industry.
ACGLO has a Return On Invested Capital of 3.96%. This is in the better half of the industry: ACGLO outperforms 76.55% of its industry peers.
ACGLO had an Average Return On Invested Capital over the past 3 years of 3.89%. This is in line with the industry average of 4.07%.
The 3 year average ROIC (3.89%) for ACGLO is below the current ROIC(3.96%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.96%
ROE 17.29%
ROIC 3.96%
ROA(3y)5.5%
ROA(5y)4.86%
ROE(3y)18.54%
ROE(5y)16.3%
ROIC(3y)3.89%
ROIC(5y)3.58%
ACGLO Yearly ROA, ROE, ROICACGLO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

ACGLO's Profit Margin of 21.09% is amongst the best of the industry. ACGLO outperforms 91.03% of its industry peers.
In the last couple of years the Profit Margin of ACGLO has grown nicely.
Looking at the Operating Margin, with a value of 21.15%, ACGLO belongs to the top of the industry, outperforming 81.38% of the companies in the same industry.
In the last couple of years the Operating Margin of ACGLO has declined.
Industry RankSector Rank
OM 21.15%
PM (TTM) 21.09%
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
ACGLO Yearly Profit, Operating, Gross MarginsACGLO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ACGLO is destroying value.
ACGLO has more shares outstanding than it did 1 year ago.
The number of shares outstanding for ACGLO has been reduced compared to 5 years ago.
ACGLO has a better debt/assets ratio than last year.
ACGLO Yearly Shares OutstandingACGLO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ACGLO Yearly Total Debt VS Total AssetsACGLO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

ACGLO has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
ACGLO's Debt to FCF ratio of 0.42 is amongst the best of the industry. ACGLO outperforms 81.38% of its industry peers.
ACGLO has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
ACGLO has a better Debt to Equity ratio (0.13) than 77.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.42
Altman-Z N/A
ROIC/WACC0.52
WACC7.66%
ACGLO Yearly LT Debt VS Equity VS FCFACGLO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
ACGLO Yearly Current Assets VS Current LiabilitesACGLO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

4

3. Growth

3.1 Past

The earnings per share for ACGLO have decreased by -8.83% in the last year.
ACGLO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.96% yearly.
Looking at the last year, ACGLO shows a very strong growth in Revenue. The Revenue has grown by 26.93%.
The Revenue has been growing by 19.89% on average over the past years. This is quite good.
EPS 1Y (TTM)-8.83%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%-37.14%
Revenue 1Y (TTM)26.93%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%10.53%

3.2 Future

The Earnings Per Share is expected to grow by 2.96% on average over the next years.
The Revenue is expected to decrease by -1.71% on average over the next years.
EPS Next Y-13.84%
EPS Next 2Y1.22%
EPS Next 3Y2.96%
EPS Next 5YN/A
Revenue Next Year9.21%
Revenue Next 2Y7.74%
Revenue Next 3Y-1.71%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ACGLO Yearly Revenue VS EstimatesACGLO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
ACGLO Yearly EPS VS EstimatesACGLO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

ACGLO is valuated cheaply with a Price/Earnings ratio of 2.47.
Compared to the rest of the industry, the Price/Earnings ratio of ACGLO indicates a rather cheap valuation: ACGLO is cheaper than 84.83% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. ACGLO is valued rather cheaply when compared to this.
ACGLO is valuated cheaply with a Price/Forward Earnings ratio of 2.17.
Based on the Price/Forward Earnings ratio, ACGLO is valued cheaply inside the industry as 86.90% of the companies are valued more expensively.
ACGLO is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.47
Fwd PE 2.17
ACGLO Price Earnings VS Forward Price EarningsACGLO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ACGLO is valued cheaper than 89.66% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ACGLO is valued cheaper than 91.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.18
EV/EBITDA 2.33
ACGLO Per share dataACGLO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The decent profitability rating of ACGLO may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y1.22%
EPS Next 3Y2.96%

More info and screens

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.61%, ACGLO is a good candidate for dividend investing.
ACGLO's Dividend Yield is rather good when compared to the industry average which is at 3.64. ACGLO pays more dividend than 86.90% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, ACGLO pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.61%

5.2 History

The dividend of ACGLO is nicely growing with an annual growth rate of 118.11%!
ACGLO has been paying a dividend for over 5 years, so it has already some track record.
ACGLO has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)118.11%
Div Incr Years0
Div Non Decr Years4
ACGLO Yearly Dividends per shareACGLO Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

ACGLO pays out 51.29% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ACGLO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP51.29%
EPS Next 2Y1.22%
EPS Next 3Y2.96%
ACGLO Yearly Income VS Free CF VS DividendACGLO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
ACGLO Dividend Payout.ACGLO Dividend Payout, showing the Payout Ratio.ACGLO Dividend Payout.PayoutRetained Earnings

More info and screens

ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP

NASDAQ:ACGLO (7/11/2025, 8:00:00 PM)

20.62

-0.11 (-0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners91.34%
Inst Owner ChangeN/A
Ins Owners3.13%
Ins Owner ChangeN/A
Market Cap7.73B
Analysts79.09
Price Target25.48 (23.57%)
Short Float %0.02%
Short Ratio2.78
Dividend
Industry RankSector Rank
Dividend Yield 6.61%
Yearly Dividend5.08
Dividend Growth(5Y)118.11%
DP51.29%
Div Incr Years0
Div Non Decr Years4
Ex-Date09-15 2025-09-15 (0.340625)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.8%
Min EPS beat(2)14.08%
Max EPS beat(2)21.52%
EPS beat(4)3
Avg EPS beat(4)12.33%
Min EPS beat(4)-0.36%
Max EPS beat(4)21.52%
EPS beat(8)7
Avg EPS beat(8)17.99%
EPS beat(12)11
Avg EPS beat(12)25.11%
EPS beat(16)15
Avg EPS beat(16)27.97%
Revenue beat(2)0
Avg Revenue beat(2)-5.15%
Min Revenue beat(2)-6.02%
Max Revenue beat(2)-4.29%
Revenue beat(4)1
Avg Revenue beat(4)-3.68%
Min Revenue beat(4)-6.09%
Max Revenue beat(4)1.66%
Revenue beat(8)5
Avg Revenue beat(8)-0.6%
Revenue beat(12)7
Avg Revenue beat(12)1.17%
Revenue beat(16)9
Avg Revenue beat(16)0.88%
PT rev (1m)1.83%
PT rev (3m)1.43%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)-2.07%
EPS NY rev (1m)0.12%
EPS NY rev (3m)0.21%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)-2.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.01%
Valuation
Industry RankSector Rank
PE 2.47
Fwd PE 2.17
P/S 0.44
P/FCF 1.18
P/OCF 1.18
P/B 0.36
P/tB 0.38
EV/EBITDA 2.33
EPS(TTM)8.36
EY40.54%
EPS(NY)9.5
Fwd EY46.06%
FCF(TTM)17.4
FCFY84.4%
OCF(TTM)17.52
OCFY84.98%
SpS47.13
BVpS57.49
TBVpS54
PEG (NY)N/A
PEG (5Y)0.09
Profitability
Industry RankSector Rank
ROA 4.96%
ROE 17.29%
ROCE 5.01%
ROIC 3.96%
ROICexc 4.02%
ROICexgc 5.41%
OM 21.15%
PM (TTM) 21.09%
GM N/A
FCFM 36.92%
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%
ROICexcg growth 3Y12.01%
ROICexcg 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 Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.42
Debt/EBITDA 0.68
Cap/Depr 17.11%
Cap/Sales 0.25%
Interest Coverage 29.42
Cash Conversion 164.22%
Profit Quality 175.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.66%
ROIC/WACC0.52
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)-8.83%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%-37.14%
EPS Next Y-13.84%
EPS Next 2Y1.22%
EPS Next 3Y2.96%
EPS Next 5YN/A
Revenue 1Y (TTM)26.93%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%10.53%
Revenue Next Year9.21%
Revenue Next 2Y7.74%
Revenue Next 3Y-1.71%
Revenue Next 5YN/A
EBIT growth 1Y7.85%
EBIT growth 3Y29.6%
EBIT growth 5Y16.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y56.19%
FCF growth 3Y25.05%
FCF growth 5Y26.92%
OCF growth 1Y55.37%
OCF growth 3Y24.87%
OCF growth 5Y26.64%