Arch Capital Group Ltd.

ACGLO · CIK 0000947484Insurance lens →

18 fiscal years · 0 SEC filings · every number carries its receipt

Revenue (FY)

$19.93B14.3%

FY2025

Net income (FY)

$4.40B2.0%

FY2025

Free cash flow (FY)

$6.13B7.5%

FY2025

Diluted EPS (FY)

$11.603.7%

FY2025

The story, charted

The shape of the business

FY2008–FY2025 · hover any year for its receipt

Revenue & net incomeRevenueNet income

revenue 6.7× since FY2008 · net margin 25.0% → 22.1%

MarginsNet marginFCF margin

FY2025: net 22.1% · free cash flow 30.7% of revenue

Cash engineOperating cash flowFree cash flow

FY2025: $6.17B operating cash − $44.0M capex = $6.13B free cash flow

Returns on capitalReturn on equityReturn on assets

return on equity 20% (FY2009) → 18% (FY2025) · on assets 5.6%

Balance sheetLiabilitiesEquity

FY2025: $79.24B assets · $55.03B liabilities · $24.21B equity

The receipts

Insurance lens

Specialized rows for insurer companies — not in the generic statement table above.

USD millions (ratios as %)	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Premiums earned	17,065	15,100	12,440	9,679	8,082	6,992	5,786	5,232	4,845	3,885	3,734	3,594
Policyholder benefits & claims	9,370	8,342	6,246	5,028	4,585	4,690	3,133	2,890	2,967	2,186	2,051	1,919
Loss ratio	54.9%	55.2%	50.2%	51.9%	56.7%	67.1%	54.2%	55.2%	61.3%	56.3%	54.9%	53.4%

Premiums earned and policyholder benefits & claims are as-reported XBRL components — absent (not zero) for insurance brokers such as Aon and Marsh McLennan, which earn fees and commissions rather than underwriting premiums, so these rows are correctly blank for them. The loss ratio (policyholder benefits ÷ premiums earned) is computed by stonks for full fiscal years only.