Arch Capital Group Ltd. (ACGL) is a Financials stock trading at $98.23 (as of 2026-09-02), with a market capitalization of $34.32B and a trailing P/E of 7.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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.
Arch Capital writes and reinsures casualty, property, and specialty insurance policies, earning premiums plus investment income on retained underwriting float. The model splits roughly evenly between direct insurance and reinsurance, with a small but highly profitable mortgage insurance book rounding out the mix.
A below-90% combined ratio on underwriting is the profit engine; investment income earned on the float between premium receipt and claim payment provides the second leg of earnings.
| Insurance | $1.9B |
| Reinsurance | $2.3B |
| Mortgage | $0.3B |
Business quality (Mixed): ROE of 20% and a combined ratio ex-cats near 79% confirm disciplined underwriting, but a 10% YoY revenue decline and acknowledgment of limited growth upside keep the overall grade at Mixed.
Valuation: At 8× earnings, ACGL trades 42% below the Insurance average (13×). Note: the low multiple may reflect one-time earnings items.
| Price | $98.23 |
| Market Cap | $34.32B |
| P/E Ratio | 7.3 |
| Price / Book | 1.43 |
| Price / Sales | 1.78 |
| FCF Yield | 17.9% |
| DCF Value (model) | $290.62 |
| DCF Upside vs Price | 195.9% |
| Revenue (TTM) | $19.93B |
| Net Margin | 22.1% |
| Revenue Growth (YoY) | -10.5% |
| EPS Growth (YoY) | -7.6% |
| FCF Growth (YoY) | 17.6% |
| Stock P/E | 7.3 |
| Sector P/E (Financials) | 14.9 |
| Industry P/E (Insurance) | 12.1 |
| vs Sector | -51.0% |
| vs Industry | -39.8% |
| Sector | Financials |
| Industry | Insurance |
| CEO | Nicolas Alain Emmanuel Papadopoulo |
| Employees | 7,200 |
| Country | BM |
| IPO Date | 1997-03-31 |
Data as of 2026-09-02.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.