ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) Stock Fundamental Analysis
USA - NASDAQ:ACGLO - US03939A1079
21.58 USD
-0.03 (-0.14%)
21.58 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to ACGLO. ACGLO was compared to 147 industry peers in the Insurance industry. ACGLO has only an average score on both its financial health and profitability. ACGLO is valued quite cheap, while showing a decent growth score. This is a good combination! Finally ACGLO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ACGLO had positive earnings in the past year.
ACGLO had a positive operating cash flow in the past year.
In the past 5 years ACGLO has always been profitable.
ACGLO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 4.69%, ACGLO belongs to the best of the industry, outperforming 84.35% of the companies in the same industry.
Looking at the Return On Equity, with a value of 16.03%, ACGLO is in the better half of the industry, outperforming 75.51% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 3.80%, ACGLO is in the better half of the industry, outperforming 68.03% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ACGLO is in line with the industry average of 4.46%.
| 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
ACGLO has a Profit Margin of 19.83%. This is amongst the best in the industry. ACGLO outperforms 91.16% of its industry peers.
In the last couple of years the Profit Margin of ACGLO has grown nicely.
ACGLO's Operating Margin of 20.17% is fine compared to the rest of the industry. ACGLO outperforms 78.23% of its industry peers.
In the last couple of years the Operating Margin of ACGLO has declined.
| 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
ACGLO 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, 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
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 80.95% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that ACGLO is not too dependend on debt financing.
ACGLO has a better Debt to Equity ratio (0.12) than 74.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.45 | ||
| Altman-Z | N/A |
ROIC/WACC0.51
WACC7.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for ACGLO have decreased strongly by -14.77% in the last year.
ACGLO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.96% yearly.
ACGLO shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.70%.
Measured over the past years, ACGLO shows a quite strong growth in Revenue. The Revenue has been growing by 19.89% on average per year.
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
The Earnings Per Share is expected to grow by 2.81% on average over the next years.
Based on estimates for the next years, ACGLO will show a small growth in Revenue. The Revenue will grow by 6.80% on average per year.
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
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 2.58, the valuation of ACGLO can be described as very cheap.
Based on the Price/Earnings ratio, ACGLO is valued cheaper than 85.71% of the companies in the same industry.
ACGLO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
With a Price/Forward Earnings ratio of 2.30, the valuation of ACGLO can be described as very cheap.
Based on the Price/Forward Earnings ratio, ACGLO is valued cheaper than 87.76% of the companies in the same industry.
ACGLO 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.58 | ||
| Fwd PE | 2.3 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ACGLO is valued cheaply inside the industry as 91.16% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACGLO indicates a rather cheap valuation: ACGLO is cheaper than 91.16% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.31 | ||
| EV/EBITDA | 2.42 |
4.3 Compensation for Growth
The decent profitability rating of ACGLO may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y0.63%
EPS Next 3Y2.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.31%, ACGLO is a good candidate for dividend investing.
ACGLO's Dividend Yield is rather good when compared to the industry average which is at 3.31. ACGLO pays more dividend than 91.84% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, ACGLO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.31% |
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
ACGLO pays out 51.79% of its income as dividend. 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 2Y0.63%
EPS Next 3Y2.81%
ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP
NASDAQ:ACGLO (10/17/2025, 8:00:00 PM)
After market: 21.58 0 (0%)21.58
-0.03 (-0.14%)
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 Cap8.05B
Analysts76.67
Price Target26.38 (22.24%)
Short Float %0.03%
Short Ratio5.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.31% |
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)-0.64%
PT rev (3m)1.92%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.58 | ||
| Fwd PE | 2.3 | ||
| P/S | 0.43 | ||
| P/FCF | 1.31 | ||
| P/OCF | 1.3 | ||
| P/B | 0.35 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | 2.42 |
EPS(TTM)8.37
EY38.79%
EPS(NY)9.39
Fwd EY43.5%
FCF(TTM)16.42
FCFY76.07%
OCF(TTM)16.54
OCFY76.64%
SpS49.91
BVpS61.74
TBVpS58.2
PEG (NY)N/A
PEG (5Y)0.1
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%
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 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
WACC7.4%
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-11.28%
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%