ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) Stock Fundamental Analysis
USA - NASDAQ:ACGLO - US03939A1079
21.34 USD
+0.13 (+0.61%)
We assign a fundamental rating of 6 out of 10 to ACGLO. ACGLO was compared to 146 industry peers in the Insurance industry. ACGLO has only an average score on both its financial health and profitability. ACGLO may be a bit undervalued, certainly considering the very reasonable score on growth Finally ACGLO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ACGLO was profitable.
ACGLO had a positive operating cash flow in the past year.
Each year in the past 5 years ACGLO has been profitable.
Each year in the past 5 years ACGLO had a positive operating cash flow.
1.2 Ratios
ACGLO's Return On Assets of 4.69% is amongst the best of the industry. ACGLO outperforms 83.56% of its industry peers.
ACGLO has a Return On Equity of 16.03%. This is in the better half of the industry: ACGLO outperforms 74.66% of its industry peers.
With a decent Return On Invested Capital value of 3.80%, ACGLO is doing good in the industry, outperforming 67.12% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for ACGLO is in line with the industry average of 4.53%.
| Industry Rank | Sector 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%
1.3 Margins
Looking at the Profit Margin, with a value of 19.83%, ACGLO belongs to the top of the industry, outperforming 91.10% of the companies in the same industry.
ACGLO's Profit Margin has improved in the last couple of years.
The Operating Margin of ACGLO (20.17%) is better than 77.40% of its industry peers.
ACGLO's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ACGLO is destroying value.
Compared to 1 year ago, ACGLO has more shares outstanding
The number of shares outstanding for ACGLO has been reduced compared to 5 years ago.
The debt/assets ratio for ACGLO has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of ACGLO is 0.45, which is an excellent value as it means it would take ACGLO, only 0.45 years of fcf income to pay off all of its debts.
ACGLO's Debt to FCF ratio of 0.45 is amongst the best of the industry. ACGLO outperforms 80.82% of its industry peers.
ACGLO has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
ACGLO has a better Debt to Equity ratio (0.12) than 74.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.45 | ||
| Altman-Z | N/A |
ROIC/WACC0.51
WACC7.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACGLO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.68%.
The Earnings Per Share has been growing by 26.96% on average over the past years. This is a very strong growth
ACGLO shows a strong growth in Revenue. In the last year, the Revenue has grown by 27.51%.
The Revenue has been growing by 19.89% on average over the past years. This is quite good.
EPS 1Y (TTM)-3.68%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%39.2%
Revenue 1Y (TTM)27.51%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%-2.05%
3.2 Future
ACGLO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.98% yearly.
Based on estimates for the next years, ACGLO will show a small growth in Revenue. The Revenue will grow by 5.81% on average per year.
EPS Next Y-1.36%
EPS Next 2Y1.03%
EPS Next 3Y2.98%
EPS Next 5YN/A
Revenue Next Year8.92%
Revenue Next 2Y6.36%
Revenue Next 3Y5.81%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
ACGLO is valuated cheaply with a Price/Earnings ratio of 2.33.
ACGLO's Price/Earnings ratio is rather cheap when compared to the industry. ACGLO is cheaper than 86.30% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.13. ACGLO is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 2.26 indicates a rather cheap valuation of ACGLO.
Based on the Price/Forward Earnings ratio, ACGLO is valued cheaply inside the industry as 88.36% of the companies are valued more expensively.
ACGLO is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.33 | ||
| Fwd PE | 2.26 |
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 91.10% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ACGLO is valued cheaper than 90.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.3 | ||
| EV/EBITDA | 2.39 |
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 2Y1.03%
EPS Next 3Y2.98%
5. Dividend
5.1 Amount
ACGLO has a Yearly Dividend Yield of 6.42%, which is a nice return.
ACGLO's Dividend Yield is rather good when compared to the industry average which is at 3.26. ACGLO pays more dividend than 92.47% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, ACGLO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.42% |
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
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.
The dividend of ACGLO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP51.79%
EPS Next 2Y1.03%
EPS Next 3Y2.98%
ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP
NASDAQ:ACGLO (11/5/2025, 8:00:00 PM)
21.34
+0.13 (+0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners94.19%
Inst Owner ChangeN/A
Ins Owners3.14%
Ins Owner ChangeN/A
Market Cap7.96B
Revenue(TTM)16.86B
Net Income(TTM)3.69B
Analysts75.2
Price Target28.38 (32.99%)
Short Float %0.02%
Short Ratio3.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.42% |
Yearly Dividend5.08
Dividend Growth(5Y)118.11%
DP51.79%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)6.89%
PT rev (3m)9.65%
EPS NQ rev (1m)33.04%
EPS NQ rev (3m)35.08%
EPS NY rev (1m)6.21%
EPS NY rev (3m)9.56%
Revenue NQ rev (1m)1.43%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.33 | ||
| Fwd PE | 2.26 | ||
| P/S | 0.43 | ||
| P/FCF | 1.3 | ||
| P/OCF | 1.29 | ||
| P/B | 0.35 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | 2.39 |
EPS(TTM)9.15
EY42.88%
EPS(NY)9.46
Fwd EY44.34%
FCF(TTM)16.42
FCFY76.93%
OCF(TTM)16.54
OCFY77.51%
SpS49.91
BVpS61.74
TBVpS58.2
PEG (NY)N/A
PEG (5Y)0.09
Graham Number112.74
Profitability
| Industry Rank | Sector 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%
ROICexgc growth 3Y12.01%
ROICexgc 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 Rank | Sector 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
WACC7.45%
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)-3.68%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%39.2%
EPS Next Y-1.36%
EPS Next 2Y1.03%
EPS Next 3Y2.98%
EPS Next 5YN/A
Revenue 1Y (TTM)27.51%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%-2.05%
Revenue Next Year8.92%
Revenue Next 2Y6.36%
Revenue Next 3Y5.81%
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%
ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP / ACGLO FAQ
What is the fundamental rating for ACGLO stock?
ChartMill assigns a fundamental rating of 6 / 10 to ACGLO.
Can you provide the valuation status for ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP?
ChartMill assigns a valuation rating of 8 / 10 to ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO). This can be considered as Undervalued.
What is the profitability of ACGLO stock?
ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for ACGLO stock?
The Price/Earnings (PE) ratio for ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) is 2.33 and the Price/Book (PB) ratio is 0.35.
Can you provide the financial health for ACGLO stock?
The financial health rating of ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) is 4 / 10.