20.81 USD
+0.09 (+0.42%)
ACGLO gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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.
1. Profitability
1.1 Basic Checks
- ACGLO had positive earnings in the past year.
- In the past year ACGLO had a positive cash flow from operations.
- ACGLO had positive earnings in each of the past 5 years.
- In the past 5 years ACGLO always reported a positive cash flow from operatings.
1.2 Ratios
- ACGLO has a better Return On Assets (5.12%) than 83.56% of its industry peers.
- ACGLO has a Return On Equity of 17.10%. This is in the better half of the industry: ACGLO outperforms 78.08% of its industry peers.
- ACGLO's Return On Invested Capital of 4.08% is fine compared to the rest of the industry. ACGLO outperforms 68.49% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for ACGLO is significantly below the industry average of 15.11%.
- The 3 year average ROIC (3.89%) for ACGLO is below the current ROIC(4.08%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.12% | ||
| ROE | 17.1% | ||
| ROIC | 4.08% |
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 21.42%. This is amongst the best in the industry. ACGLO outperforms 90.41% of its industry peers.
- ACGLO's Profit Margin has improved in the last couple of years.
- ACGLO has a Operating Margin of 21.52%. This is in the better half of the industry: ACGLO outperforms 77.40% of its industry peers.
- In the last couple of years the Operating Margin of ACGLO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.52% | ||
| PM (TTM) | 21.42% | ||
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
2.2 Solvency
- The Debt to FCF ratio of ACGLO is 0.43, which is an excellent value as it means it would take ACGLO, only 0.43 years of fcf income to pay off all of its debts.
- ACGLO has a Debt to FCF ratio of 0.43. This is amongst the best in the industry. ACGLO outperforms 84.93% of its industry peers.
- A Debt/Equity ratio of 0.12 indicates that ACGLO is not too dependend on debt financing.
- ACGLO's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. ACGLO outperforms 74.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.43 | ||
| Altman-Z | N/A |
ROIC/WACC0.55
WACC7.46%
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
- The Revenue has grown by 17.15% in the past year. This is quite good.
- 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)-3.68%
EPS 3Y37.06%
EPS 5Y26.96%
EPS Q2Q%39.2%
Revenue 1Y (TTM)17.15%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%-2.05%
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 3.32% on average per year.
- The Revenue is expected to grow by 4.90% on average over the next years.
EPS Next Y0.77%
EPS Next 2Y1.11%
EPS Next 3Y3.32%
EPS Next 5YN/A
Revenue Next Year7.73%
Revenue Next 2Y5.21%
Revenue Next 3Y4.9%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 2.27, the valuation of ACGLO can be described as very cheap.
- 87.67% of the companies in the same industry are more expensive than ACGLO, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of ACGLO to the average of the S&P500 Index (27.33), we can say ACGLO is valued rather cheaply.
- A Price/Forward Earnings ratio of 2.20 indicates a rather cheap valuation of ACGLO.
- ACGLO's Price/Forward Earnings ratio is rather cheap when compared to the industry. ACGLO is cheaper than 88.36% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. ACGLO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.27 | ||
| Fwd PE | 2.2 |
4.2 Price Multiples
- ACGLO's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACGLO is cheaper than 91.10% of the companies in the same industry.
- ACGLO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACGLO is cheaper than 92.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.2 | ||
| EV/EBITDA | 2.13 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- ACGLO has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.96
PEG (5Y)0.08
EPS Next 2Y1.11%
EPS Next 3Y3.32%
5. Dividend
5.1 Amount
- ACGLO has a Yearly Dividend Yield of 6.59%, which is a nice return.
- ACGLO's Dividend Yield is rather good when compared to the industry average which is at 2.42. ACGLO pays more dividend than 89.73% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.91, ACGLO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
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 47.16% 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.
DP47.16%
EPS Next 2Y1.11%
EPS Next 3Y3.32%
ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP
NASDAQ:ACGLO (1/14/2026, 8:09:52 PM)
20.81
+0.09 (+0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)02-09 2026-02-09/amc
Inst Owners93.88%
Inst Owner ChangeN/A
Ins Owners3.18%
Ins Owner ChangeN/A
Market Cap7.55B
Revenue(TTM)18.93B
Net Income(TTM)4.06B
Analysts74.81
Price Target23.06 (10.81%)
Short Float %0.01%
Short Ratio1.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
Yearly Dividend5.08
Dividend Growth(5Y)118.11%
DP47.16%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.88%
Min EPS beat(2)9.27%
Max EPS beat(2)20.5%
EPS beat(4)4
Avg EPS beat(4)16.34%
Min EPS beat(4)9.27%
Max EPS beat(4)21.52%
EPS beat(8)7
Avg EPS beat(8)14.25%
EPS beat(12)11
Avg EPS beat(12)20.65%
EPS beat(16)15
Avg EPS beat(16)22.34%
Revenue beat(2)0
Avg Revenue beat(2)-7.41%
Min Revenue beat(2)-12.59%
Max Revenue beat(2)-2.23%
Revenue beat(4)0
Avg Revenue beat(4)-6.28%
Min Revenue beat(4)-12.59%
Max Revenue beat(4)-2.23%
Revenue beat(8)3
Avg Revenue beat(8)-3.09%
Revenue beat(12)7
Avg Revenue beat(12)0.7%
Revenue beat(16)8
Avg Revenue beat(16)-1.26%
PT rev (1m)-7.64%
PT rev (3m)-12.58%
EPS NQ rev (1m)1.72%
EPS NQ rev (3m)3.82%
EPS NY rev (1m)0.09%
EPS NY rev (3m)13.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.99%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.27 | ||
| Fwd PE | 2.2 | ||
| P/S | 0.4 | ||
| P/FCF | 1.2 | ||
| P/OCF | 1.19 | ||
| P/B | 0.32 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | 2.13 |
EPS(TTM)9.15
EY43.97%
EPS(NY)9.48
Fwd EY45.54%
FCF(TTM)17.36
FCFY83.42%
OCF(TTM)17.49
OCFY84.03%
SpS52.21
BVpS65.41
TBVpS61.91
PEG (NY)2.96
PEG (5Y)0.08
Graham Number116.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.12% | ||
| ROE | 17.1% | ||
| ROCE | 5.17% | ||
| ROIC | 4.08% | ||
| ROICexc | 4.14% | ||
| ROICexgc | 5.51% | ||
| OM | 21.52% | ||
| PM (TTM) | 21.42% | ||
| GM | N/A | ||
| FCFM | 33.25% |
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 | 0.43 | ||
| Debt/EBITDA | 0.63 | ||
| Cap/Depr | 18.78% | ||
| Cap/Sales | 0.24% | ||
| Interest Coverage | 31.83 | ||
| Cash Conversion | 146.82% | ||
| Profit Quality | 155.2% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.46%
ROIC/WACC0.55
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 Y0.77%
EPS Next 2Y1.11%
EPS Next 3Y3.32%
EPS Next 5YN/A
Revenue 1Y (TTM)17.15%
Revenue growth 3Y23.81%
Revenue growth 5Y19.89%
Sales Q2Q%-2.05%
Revenue Next Year7.73%
Revenue Next 2Y5.21%
Revenue Next 3Y4.9%
Revenue Next 5YN/A
EBIT growth 1Y-4.05%
EBIT growth 3Y29.6%
EBIT growth 5Y16.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.52%
FCF growth 3Y25.05%
FCF growth 5Y26.92%
OCF growth 1Y25.18%
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 5 / 10 to ACGLO.
What is the valuation status of ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) stock?
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.
How financially healthy is ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP?
The financial health rating of ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) is 4 / 10.
Can you provide the dividend sustainability for ACGLO stock?
The dividend rating of ARCH CAPITAL GROUP LTD - ACGL 5.45 PERP (ACGLO) is 7 / 10 and the dividend payout ratio is 47.16%.