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ARCH CAPITAL GROUP LTD - ACGL 4.55 PERP (ACGLN) Stock Fundamental Analysis

USA - NASDAQ:ACGLN - US03939A4040

17.64 USD
-0.06 (-0.34%)
Last: 10/17/2025, 8:00:00 PM
17.64 USD
0 (0%)
After Hours: 10/17/2025, 8:00:00 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ACGLN. ACGLN was compared to 145 industry peers in the Insurance industry. ACGLN has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on ACGLN. Finally ACGLN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

ACGLN had positive earnings in the past year.
In the past year ACGLN had a positive cash flow from operations.
ACGLN had positive earnings in each of the past 5 years.
ACGLN had a positive operating cash flow in each of the past 5 years.
ACGLN Yearly Net Income VS EBIT VS OCF VS FCFACGLN 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

ACGLN's Return On Assets of 4.69% is amongst the best of the industry. ACGLN outperforms 85.03% of its industry peers.
The Return On Equity of ACGLN (16.03%) is better than 76.19% of its industry peers.
ACGLN's Return On Invested Capital of 3.80% is fine compared to the rest of the industry. ACGLN outperforms 68.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ACGLN is in line with the industry average of 4.40%.
Industry RankSector Rank
ROA 4.69%
ROE 16.03%
ROIC 3.8%
ROA(3y)5.5%
ROA(5y)4.86%
ROE(3y)18.54%
ROE(5y)16.3%
ROIC(3y)3.89%
ROIC(5y)3.58%
ACGLN Yearly ROA, ROE, ROICACGLN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

ACGLN has a Profit Margin of 19.83%. This is amongst the best in the industry. ACGLN outperforms 91.84% of its industry peers.
In the last couple of years the Profit Margin of ACGLN has grown nicely.
The Operating Margin of ACGLN (20.17%) is better than 78.91% of its industry peers.
In the last couple of years the Operating Margin of ACGLN has declined.
Industry RankSector Rank
OM 20.17%
PM (TTM) 19.83%
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
ACGLN Yearly Profit, Operating, Gross MarginsACGLN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

ACGLN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, ACGLN has more shares outstanding
Compared to 5 years ago, ACGLN has less shares outstanding
Compared to 1 year ago, ACGLN has an improved debt to assets ratio.
ACGLN Yearly Shares OutstandingACGLN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ACGLN Yearly Total Debt VS Total AssetsACGLN 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

The Debt to FCF ratio of ACGLN is 0.45, which is an excellent value as it means it would take ACGLN, only 0.45 years of fcf income to pay off all of its debts.
ACGLN's Debt to FCF ratio of 0.45 is amongst the best of the industry. ACGLN outperforms 81.63% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that ACGLN is not too dependend on debt financing.
ACGLN's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. ACGLN outperforms 75.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.45
Altman-Z N/A
ROIC/WACC0.53
WACC7.2%
ACGLN Yearly LT Debt VS Equity VS FCFACGLN 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
ACGLN Yearly Current Assets VS Current LiabilitesACGLN 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

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5

3. Growth

3.1 Past

The earnings per share for ACGLN have decreased strongly by -14.77% in the last year.
Measured over the past years, ACGLN shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.96% on average per year.
ACGLN shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.70%.
ACGLN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.89% yearly.
EPS 1Y (TTM)-14.77%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%0.39%
Revenue 1Y (TTM)24.7%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%15%

3.2 Future

Based on estimates for the next years, ACGLN will show a small growth in Earnings Per Share. The EPS will grow by 2.81% on average per year.
The Revenue is expected to grow by 6.80% on average over the next years.
EPS Next Y-11.28%
EPS Next 2Y0.63%
EPS Next 3Y2.81%
EPS Next 5YN/A
Revenue Next Year9.66%
Revenue Next 2Y7.72%
Revenue Next 3Y6.8%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ACGLN Yearly Revenue VS EstimatesACGLN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B
ACGLN Yearly EPS VS EstimatesACGLN 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

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 2.11, the valuation of ACGLN can be described as very cheap.
Based on the Price/Earnings ratio, ACGLN is valued cheaper than 88.44% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.40. ACGLN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 1.88, the valuation of ACGLN can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACGLN indicates a rather cheap valuation: ACGLN is cheaper than 90.48% of the companies listed in the same industry.
ACGLN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.11
Fwd PE 1.88
ACGLN Price Earnings VS Forward Price EarningsACGLN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

92.52% of the companies in the same industry are more expensive than ACGLN, based on the Enterprise Value to EBITDA ratio.
ACGLN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACGLN is cheaper than 93.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.07
EV/EBITDA 2.06
ACGLN Per share dataACGLN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

ACGLN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.08
EPS Next 2Y0.63%
EPS Next 3Y2.81%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.45%, ACGLN is a good candidate for dividend investing.
ACGLN's Dividend Yield is rather good when compared to the industry average which is at 3.20. ACGLN pays more dividend than 92.52% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, ACGLN pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.45%

5.2 History

On average, the dividend of ACGLN grows each year by 118.11%, which is quite nice.
ACGLN has been paying a dividend for over 5 years, so it has already some track record.
ACGLN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)118.11%
Div Incr Years0
Div Non Decr Years3
ACGLN Yearly Dividends per shareACGLN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

ACGLN pays out 51.79% of its income as dividend. This is a bit on the high side, but may be sustainable.
ACGLN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP51.79%
EPS Next 2Y0.63%
EPS Next 3Y2.81%
ACGLN Yearly Income VS Free CF VS DividendACGLN 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
ACGLN Dividend Payout.ACGLN Dividend Payout, showing the Payout Ratio.ACGLN Dividend Payout.PayoutRetained Earnings

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ARCH CAPITAL GROUP LTD - ACGL 4.55 PERP

NASDAQ:ACGLN (10/17/2025, 8:00:00 PM)

After market: 17.64 0 (0%)

17.64

-0.06 (-0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners94.19%
Inst Owner ChangeN/A
Ins Owners3.14%
Ins Owner ChangeN/A
Market Cap6.58B
Analysts76.67
Price Target21.86 (23.92%)
Short Float %0%
Short Ratio0.25
Dividend
Industry RankSector Rank
Dividend Yield 6.45%
Yearly Dividend5.08
Dividend Growth(5Y)118.11%
DP51.79%
Div Incr Years0
Div Non Decr Years3
Ex-Date09-15 2025-09-15 (0.284375)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.67%
Min EPS beat(2)9.27%
Max EPS beat(2)14.08%
EPS beat(4)3
Avg EPS beat(4)11.13%
Min EPS beat(4)-0.36%
Max EPS beat(4)21.52%
EPS beat(8)7
Avg EPS beat(8)16.8%
EPS beat(12)11
Avg EPS beat(12)24.14%
EPS beat(16)15
Avg EPS beat(16)27.55%
Revenue beat(2)0
Avg Revenue beat(2)-4.12%
Min Revenue beat(2)-6.02%
Max Revenue beat(2)-2.23%
Revenue beat(4)1
Avg Revenue beat(4)-2.72%
Min Revenue beat(4)-6.02%
Max Revenue beat(4)1.66%
Revenue beat(8)4
Avg Revenue beat(8)-0.96%
Revenue beat(12)7
Avg Revenue beat(12)1.68%
Revenue beat(16)8
Avg Revenue beat(16)-1.23%
PT rev (1m)0.11%
PT rev (3m)3.18%
EPS NQ rev (1m)20.44%
EPS NQ rev (3m)24.36%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)1.43%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.49%
Valuation
Industry RankSector Rank
PE 2.11
Fwd PE 1.88
P/S 0.35
P/FCF 1.07
P/OCF 1.07
P/B 0.29
P/tB 0.3
EV/EBITDA 2.06
EPS(TTM)8.37
EY47.45%
EPS(NY)9.39
Fwd EY53.21%
FCF(TTM)16.42
FCFY93.06%
OCF(TTM)16.54
OCFY93.76%
SpS49.91
BVpS61.74
TBVpS58.2
PEG (NY)N/A
PEG (5Y)0.08
Profitability
Industry RankSector Rank
ROA 4.69%
ROE 16.03%
ROCE 4.81%
ROIC 3.8%
ROICexc 3.85%
ROICexgc 5.18%
OM 20.17%
PM (TTM) 19.83%
GM N/A
FCFM 32.89%
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 Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.45
Debt/EBITDA 0.68
Cap/Depr 16.2%
Cap/Sales 0.25%
Interest Coverage 29.35
Cash Conversion 152.76%
Profit Quality 165.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.2%
ROIC/WACC0.53
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)-14.77%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%0.39%
EPS Next Y-11.28%
EPS Next 2Y0.63%
EPS Next 3Y2.81%
EPS Next 5YN/A
Revenue 1Y (TTM)24.7%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%15%
Revenue Next Year9.66%
Revenue Next 2Y7.72%
Revenue Next 3Y6.8%
Revenue Next 5YN/A
EBIT growth 1Y-6.59%
EBIT growth 3Y29.6%
EBIT growth 5Y16.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.58%
FCF growth 3Y25.05%
FCF growth 5Y26.92%
OCF growth 1Y37.94%
OCF growth 3Y24.87%
OCF growth 5Y26.64%