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

USA - NASDAQ:ACGLO - US03939A1079

21.77 USD
-0.07 (-0.32%)
Last: 9/18/2025, 8:00:00 PM
Fundamental Rating

6

Overall ACGLO gets a fundamental rating of 6 out of 10. We evaluated ACGLO against 146 industry peers in the Insurance industry. Both the profitability and the financial health of ACGLO get a neutral evaluation. Nothing too spectacular is happening here. ACGLO scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally ACGLO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year ACGLO was profitable.
In the past year ACGLO had a positive cash flow from operations.
Each year in the past 5 years ACGLO has 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

ACGLO's Return On Assets of 4.69% is amongst the best of the industry. ACGLO outperforms 84.25% of its industry peers.
The Return On Equity of ACGLO (16.03%) is better than 76.03% of its industry peers.
With a decent Return On Invested Capital value of 3.80%, ACGLO is doing good in the industry, outperforming 70.55% of the companies in the same industry.
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 4.47%.
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%
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 has a Profit Margin of 19.83%. This is amongst the best in the industry. ACGLO outperforms 92.47% of its industry peers.
In the last couple of years the Profit Margin of ACGLO has grown nicely.
The Operating Margin of ACGLO (20.17%) is better than 78.08% of its industry peers.
In the last couple of years the Operating Margin of ACGLO 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
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

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ACGLO is destroying value.
The number of shares outstanding for ACGLO has been increased compared to 1 year ago.
The number of shares outstanding for ACGLO has been reduced compared to 5 years ago.
Compared to 1 year ago, ACGLO has an improved debt to assets ratio.
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 0.45. This is a very positive value and a sign of high solvency as it would only need 0.45 years to pay back of all of its debts.
ACGLO has a Debt to FCF ratio of 0.45. This is amongst the best in the industry. ACGLO outperforms 80.14% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that ACGLO is not too dependend on debt financing.
The Debt to Equity ratio of ACGLO (0.12) is better than 74.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.45
Altman-Z N/A
ROIC/WACC0.51
WACC7.44%
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

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5

3. Growth

3.1 Past

The earnings per share for ACGLO have decreased strongly by -14.77% in the last year.
The Earnings Per Share has been growing by 26.96% on average over the past years. This is a very strong growth
Looking at the last year, ACGLO shows a very strong growth in Revenue. The Revenue has grown by 24.70%.
The Revenue has been growing by 19.89% on average over the past years. This is quite good.
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, ACGLO will show a small growth in Earnings Per Share. The EPS will grow by 3.13% on average per year.
The Revenue is expected to grow by 6.80% on average over the next years.
EPS Next Y-11.02%
EPS Next 2Y0.96%
EPS Next 3Y3.13%
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.
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.
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 20B
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

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8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.60 indicates a rather cheap valuation of ACGLO.
Based on the Price/Earnings ratio, ACGLO is valued cheaply inside the industry as 86.30% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.41, ACGLO is valued rather cheaply.
The Price/Forward Earnings ratio is 2.30, which indicates a rather cheap valuation of ACGLO.
Based on the Price/Forward Earnings ratio, ACGLO is valued cheaper than 87.67% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ACGLO to the average of the S&P500 Index (22.88), we can say ACGLO is valued rather cheaply.
Industry RankSector Rank
PE 2.6
Fwd PE 2.3
ACGLO Price Earnings VS Forward Price EarningsACGLO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACGLO indicates a rather cheap valuation: ACGLO is cheaper than 91.78% of the companies listed in the same industry.
ACGLO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACGLO is cheaper than 91.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.33
EV/EBITDA 2.45
ACGLO Per share dataACGLO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

ACGLO has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y0.96%
EPS Next 3Y3.13%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.18%, ACGLO is a good candidate for dividend investing.
ACGLO's Dividend Yield is rather good when compared to the industry average which is at 3.43. ACGLO pays more dividend than 86.99% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, ACGLO pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.18%

5.2 History

On average, the dividend of ACGLO grows each year by 118.11%, which is quite nice.
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

51.79% of the earnings are spent on dividend by ACGLO. This is a bit on the high side, but may be sustainable.
ACGLO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP51.79%
EPS Next 2Y0.96%
EPS Next 3Y3.13%
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

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ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP

NASDAQ:ACGLO (9/18/2025, 8:00:00 PM)

21.77

-0.07 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-28 2025-10-28/amc
Inst Owners91.39%
Inst Owner ChangeN/A
Ins Owners3.13%
Ins Owner ChangeN/A
Market Cap8.12B
Analysts78.33
Price Target26.55 (21.96%)
Short Float %0.03%
Short Ratio4.94
Dividend
Industry RankSector Rank
Dividend Yield 6.18%
Yearly Dividend5.08
Dividend Growth(5Y)118.11%
DP51.79%
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)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)1.49%
PT rev (3m)7.46%
EPS NQ rev (1m)1.48%
EPS NQ rev (3m)2.55%
EPS NY rev (1m)3.46%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)0.29%
Revenue NQ rev (3m)-1.48%
Revenue NY rev (1m)0.56%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 2.6
Fwd PE 2.3
P/S 0.44
P/FCF 1.33
P/OCF 1.32
P/B 0.35
P/tB 0.37
EV/EBITDA 2.45
EPS(TTM)8.37
EY38.45%
EPS(NY)9.45
Fwd EY43.4%
FCF(TTM)16.42
FCFY75.41%
OCF(TTM)16.54
OCFY75.98%
SpS49.91
BVpS61.74
TBVpS58.2
PEG (NY)N/A
PEG (5Y)0.1
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
WACC7.44%
ROIC/WACC0.51
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-11.02%
EPS Next 2Y0.96%
EPS Next 3Y3.13%
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%