Arch Capital Group (ACGL) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Arch Capital Group

NasdaqGS•Financial Services•Insurance - Diversified

$96.70-0.27(<0.01%)Pre-market

Market Cap

$33.19B

P/E

7.1x

P/S

1.7x

P/B

1.4x

Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia. The company operates through three segments: Insurance, Reinsurance, and Mortgage. The Insurance segment offers commercial automobile; commercial multiperil; financial and professional line liability; admitted, excess, and surplus casualty lines; property and short-tail specialty; workers compensation; and casualty insurance. Its Reinsurance segment provides reinsurance products for casualty; marine and aviation; property catastrophe; property excluding property catastrophe; and other specialty products. The Mortgage segment offers U.S. primary mortgage insurance business written predominantly on loans sold to the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation; reinsurance and underwriting services related to the U.S. credit-risk transfer business and other U.S. mortgage reinsurance transactions; and international mortgage insurance and reinsurance business covering loans. It markets its products through a group of licensed independent retail and wholesale brokers. The company was formerly known as Risk Capital Holdings, Inc. Arch Capital Group Ltd. was founded in 1995 and is headquartered in Pembroke, Bermuda.

How this company scores

GoodMetricSide Score: 63/100

Strongest: Cash & Earnings Quality (23/25); weakest: Growth (6/25).

Profitability19/25

Growth6/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROEInterest easily coveredCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 7.1x5y range 5.2x – 16.1x

Currently near its 20-quarter median.

P/S · 1.7x5y range 1.4x – 2.4x

Currently near its 20-quarter median.

P/B · 1.4x5y range 1.1x – 1.9x

Currently near its 20-quarter median.

Price & Volume

Market Cap $33.19B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $19.23B
Q. Revenue: $4.67B
TTM EBITDA: $5.38B
TTM Op. Income: $5.38B
Q. Op. Income: $1.22B
TTM Net Income: $4.69B
Q. Net Income: $1.06B
EPS: $3.05
Shares Out.: $343.20M

$19.23B in TTM revenue declined 17.8% YoY, reaching $4.67B last quarter. TTM EBITDA of $5.38B and TTM operating income of $5.38B show growth is flowing through to the bottom line. TTM net income of $4.69B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 3 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 26.2%
Op. Margin: 26.2%
Net Margin: 22.6%

Op. margin of 26.2% is down 1.7% YoY — costs are rising relative to revenue. Net margin at 22.6% Over the past year, operating margin is down 6% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 7.1x
P/S Ratio: 1.7x
P/B Ratio: 1.4x

At 7.1x P/E, the stock trades below typical market levels. P/S of 1.7x and P/B of 1.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 4% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $85.18B
Cash: $1.11B
Long-Term Debt: N/A
Book Value: $24.03B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.32B
TTM Free Cash Flow: $6.05B
FCF Margin: 31.5%
FCF / Net Income: 1.3

TTM FCF of $6.05B on $1.32B in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 8% — an improving trend.